Most gun owners saw the possession or concealment of a firearm in a gun as our insurance that would harm us. What if unexpected happens? What if you are forced to use your shotgun in self-defense? Well, since you are a legally armed citizen, you just show up in court and prove that you justify using deadly force to meet all legal requirements. Then the court rules go in your favor and life… not at all. Sounds real simple, but I guarantee it is not! Just the word “court” is complicated and expensive. Even if the court can decide that you are innocent of any criminal charges. The deceased’s family can take further action and file a civil suit for wrongful death, resulting in even more time and money.
Insurance companies are now offering concealed carry and self-defense insurance policies for such occasions. Since it has become so popular, there are many coverage options and many providers to choose from.
When choosing a policy, do your homework. Most homeowners insurance policies have clauses that may enable or prevent your current plan from covering you in a self-defense scenario on your own property. So consider any coverage you already have through your homeowner’s insurance.
You also need to understand what state laws are and how they can protect you in certain situations. However, the words of caution always change in these laws, so you need to keep up with them at all times. Many states have stand your ground laws that protect people against civil suits in legal self-defense situations. Most of the time, these laws do not make it likely that you will face civil litigation when you are properly defending yourself.
Consider different types of coverage. Of course, the higher the premium, the more coverage you get. Many plans will cover your legal bills for civil matters up to the plan limit. For criminal trials, most schemes only offer reimbursement of money spent for their defense. Many insurance plans will not pay any money and only pay if you are found not guilty. With all this in mind, it is important to understand what you are getting.
Some other things to consider are how much coverage you think you might need based on your stay. Going into each other’s jurisdiction in one court can be very different and can cost different amounts. Find out if the plan provides a lawyer for you or if it allows you to choose an attorney you think will represent you best. Will the plan cover the fees for an expert witness and is the fee up front or reimbursed? Does the plan provide a list of resources such as expert witnesses? And determine if the plan covers your family members during a self-defense incident inside your home.