Self defense insurance?

[MikeBjerum]

Self defense is not a basic liability situation, because it is a case where you act in response to a situation.  In most cases you are looking for an insurance that will pay for legal fees (attorney and expert witnesses if needed in court).

Most basic liability does not cover self defense actions.

There are several good policies out there by different groups.  Shop your way through the offerings, and pick the one you feel is best for you.

As for the concern that carrying this type of insurance would build a case against you as being prepared to act - How often do you hear of a person or business being held liable for an accident on their property because they had insurance to cover the injuries.  If you want to compare an action to a penalty I would look toward the person with a vicious dog that posts a "beware of dog" sign - Case built that they knew the dog was dangerous.  Think about the T-shirts you wear, bumper stickers you have on your vehicle, signs on your property, or things you post on social media that talk about property protected by Smith & Wesson, trespassers being shot and and survivors being shot again, nothing in this house (or car) is worth your life, etc.

[billt]

..........If you want to compare an action to a penalty I would look toward the person with a vicious dog that posts a "beware of dog" sign - Case built that they knew the dog was dangerous.  Think about the T-shirts you wear, bumper stickers you have on your vehicle, signs on your property, or things you post on social media that talk about property protected by Smith & Wesson, trespassers being shot and and survivors being shot again, nothing in this house (or car) is worth your life, etc.

Or in today's world, the mere fact you own, and are, "into guns", (many), can be shaped into something that can ruin your life both legally and financially. Remember, in the eyes of most hard core liberals, if you own guns and are in defense of the Second Amendment, that alone makes you an enemy worth going after. Not the guy you protected yourself against. You are in fact the, "gun nut". This mindset is increasing every day as the liberal anti gun crowd continues to lose ground. Just like in politics, the more they lose, the meaner and nastier they get.

 A person who owns a large collection of weapons, and ammunition to go with it, is going to have a hard time if they're faced with a courtroom full of liberals, and a liberal prosecutor, judge, jury, and police department. There are many municipalities like this that are stacked against the conservative gun owner today. In fact, most large cities, (where a self defense shooting is most likely to occur), have these type of anti gun political people in place to crucify you.

[MikeBjerum]

Bill,

That is why you hire a good attorney.  It is their job to make sure the jury is not stacked against you with liberals, to make the jury and judge understand your frame of mind, to make sure the trial is fair, and to file appeals if needed.

No matter the situation we live in a country that is sue happy and free from personal responsibility.  Sad, but true.

[santahog]

We have an umbrella insurance policy (Erie Insurance) but I"m not sure how and if it would benefit us legally in a self defense shooting.....

It won't.