Replace "May Issue" with Liability Insurance

I don't know who these guys are kidding but insurance will never be mandated on a constitutional right.
However there is insurance available to protect yourself from civil and criminal prosecution in the case of a self defense shooting. It will cover all legal expenses.
CcwSafe.com

 

LOL......!!!!!

 

Reading goofy ideas like this is similar to visiting a foreign country. You see people doing things in ways that are obviously compulsive and unnatural, because their gov. insists that it be so.
You come back to the USA, where we have Rights, and it's good to be home.

 

Not to worry, he has mandatory Obamacare.

 

one is a total banner , the other thinks he should be the only one with guns...............

 

Don't you own, too?

 

Or maybe race baiters should have insurance for their right to free speech? The list goes on and on.

 

Thereby, of course, limiting gun ownership to only those that can afford it cutting out the people that need one the most in bad neighborhoods. In other words, another way to 'infringe' on a right.

 

since many of these people want us to surrender our Rights, let the libs lead by example and surrender all of theirs, first................then we'll watch and see how that turns out....lol

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it's called a privilege then......not a Right. ....and only the privileged would enjoy their privilege by using the non-privileged for target practice. It has happened before, and some are wanting it that way again.

 

And what of those who are shot or injured by someone who is legally prohibited from owning a firearm? What of the medical coverage, and loss of income that they will incur?

 

A $1M umbrella policy is less than $200 a year. I sell them on a regular basis. It extends the liability limits of both home and auto policies. The home policy liability coverage is what covers you in such an instance. The umbrella is just excess coverage.

 

If you have any type of property insurance(homeowner, renters, condo) you already have liability coverage.

Just an FYI....I don't agree with a mandate but it's the responsible thing to do as a gun owner. I carry $1.3M in liability

 

How bout this idea? Before you add in more restrictions, why don't you demand that all criminal gangs (that are involved in up to 80% of all US murders) carry this liability?

Although the Constitution forbits excessive fines, why haven't the Libs and Commies demanded that current RICO laws be enforced, both state and federal, that demand a $25,000 fine for even a single act of conspiracy of a gang felon having a gun?

They don't enforce these laws because thugs and gangstas ARE memebers of Lib-Dem's core voting communities .

 

thank you for this info

 

No problem. But keep in mind no insurance policy pays a claim for intentional acts or illegal acts. So all a liability claim is ever going to pay for is accidental injury or death.

 

So, I quoted the part about insurance in his OP. Would an umbrella policy cover the outlined damages he listed in his original post? He specifically said accidental (there are no accidental discharges, only negligent, obviously there have been stores of people getting hit accidentally CLICK LINK ) and criminal.

- Does an umbrella policy cover accidental or criminal shootings?

 

Accidental yes. Criminal no. Intentional acts and illegal acts are not covered.

 

So, as listed in the OP, a 1 million dollar policy wouldn't do anyone any good unless it was truly an accident.

OP, learn before posting please.

 

Let's be clear here, it covers everything except an intentional or criminal act.

So for CCW holders it covers everything unless they intentionally murder or injure someone.

 

If you accidentally kill an innocent bystander, wouldn't that be manslaughter? Isn't that a criminal act?

 

Three points:

First: Simply because you claim to work in insurance, does not carry any verifiable value with it.

Second: Unless laws and guidelines are specifically crafted for the protection of the purchaser, there would be nothing to prevent an insurance provider from making the premiums for such a policy, when it is in regard to carrying a concealed firearm, far more than two hundred dollars a year. There is nothing to stop the premiums from being raised to thousands of dollars a year, or excessively high deductibles being included in the policy.

Third: There are individuals who cannot afford to pay out an extra two hundred dollars every year for insurance. Should they be legally excluded from being able to defend themselves, because they are at an economic disadvantage compared to others?

 

That is dependent upon how the law sees it. Shooting someone, even accidentally, is assault with a deadly weapon, making it a criminal act. An insurance provider could easily cite such facts, and legally not have to pay the claim.

 

It depends on the circumstances. If acting in a lawful manner and you miss your intended target the deciding factor is your intent.

 

Well I honestly couldn't care less if you believe I do or not. If you don't believe me call your own agent.

Well the state department of insurance regulates rating factors, so unless you believe in some sinister government conspiracy.........

I recall stating I do not support a mandate. I'm simply pointing out that almost everyone already has liability insurance if they have any form of property insurance. Home, tenant, condo etc. the $200 is for the umbrella policy which simply extends your underlying liability limits.

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No it isn't. There has to,be intent or gross negligence.

they are bound by the terms of the policy contract and if you are charged or not.

 

anyone that has done paid their debt back to society for a crime should have all the same rights as everyone else...

anyone that takes care of themselves and lives on their own should be able to own a gun as that shows they are mentally fit to be a free American....

as far as concealed carry, everyone should be allowed to do that, and that should be considered the proper way to carry a gun

should you have to also get insurance for free speech in case you say something that offends someone or harms them?

.