Has the Zimmerman case changed your mind about CCW insurance?

[walt629]

With the Zimmerman case firmly embedded in our heads, has his experience altered your thoughts on having CCW insurance?

 

[Deanimator]

With the Zimmerman case firmly embedded in our heads, has his experience altered your thoughts on having CCW insurance?

Not at all.

In Ohio, if the shooting is justified (as the shooting of Martin now officially is) then neither the shootee nor anyone else connected to him can recover a penny in damages. They can sue... they just can't collect anything. Good luck finding a lawyer willing to touch THAT...

 

[Firefighterchen]

No, not even if it covered open carry.

 

[Bozz]

I've been looking at the armedcitizennetwork.org -- for about $10/mo. it could certainly help. Might be getting it soon, anyone have other suggestions?

 

[rahlquist]

Dont you think we make enough friggin insurance companies rich? Medical, disability, home, flood, auto, life FFS enough is enough.

 

[Totidem Verbis]

The real question is, what insurance companies will cover you without breaking the bank and actually payout? Remember their the ones betting that it will happen and your saying it won't.

 

[MadMAF]

I've been looking at the armedcitizennetwork.org -- for about $10/mo. it could certainly help. Might be getting it soon, anyone have other suggestions?

I use Patriot Legal Protection.

https://patriotlegalprotection.com/

 

[2Awarrior]

Wow. I never knew it existed until I read this post. Shows ya what I know...
I'll definitely look into it, but I'll need to research my state's laws further, and also see where the NRA stands on it.

(you know...the NRA? The huge scarey organization that terrifies politicians, and never made a peep during the whole Zimmerman thing? Yeah, them...)

*sigh*

 

[dogshawred]

I've thought about it before Zimmerman case and didn't really think an insurer payout would really be helpful considering the restrictions imposed by them regarding coverage. Insurance companies aren't as rich as they are because they payout money to insured persons, they are rich because they write their policies to protect their interest, making a profit.
~
Being aware and fully educated regarding your rights and legal status will do you more good, hell put the insurance payments in the bank they will do you more good than the insurance.
~
With everything that was against GZ in this matter the system worked and I was truly surprised that it did. I have never trusted the criminal justice system to be fair to innocents falsely charged.

 

[jcreek]

I personally don't use it. On the other hand, I took a class from a young instructor once who had I think 6 different policies covering him and his wife, in the differ locations they carried. Paid like $2k a year for it but was covered up to like $4 million or something. I personally think that's a little extreme.

 

[r1derbike]

Be aware that if a jury finds the self defense unjustified, you alone will be dragged through financial ruin. You might even be dragged through it in a justified case, if your insurance does not cover it all.

Check the track record of any company your are considering; serious business, this.

 

[vernsimpson]

Be aware that if a jury finds the self defense unjustified, you alone will be dragged through financial ruin. You might even be dragged through it in a justified case, if your insurance does not cover it all.

Check the track record of any company your are considering; serious business, this.

I agree with Rider. The company and the policy should be checked out. There could be in the fine print that you will ONLY be covered if the shooting happens on Feb 29 with a full moon and in the year of the snake or some such mumbo jumbo double legal speak!

 

[tricolordad]

It's opened my eyes to the possibility of needing it. But in reality, it doesn't cover anything because there is nothing that can make up for me not being there to raise my kids. Money is nothing but painted toilet paper. I have a friend who is an attorney. He's good enough to save me from an overzealous prosecutor.

 

[kelcarry]

Not at all.

In Ohio, if the shooting is justified (as the shooting of Martin now officially is) then neither the shootee nor anyone else connected to him can recover a penny in damages. They can sue... they just can't collect anything. Good luck finding a lawyer willing to touch THAT...

Add South Carolina to the mix. Good shoot--no civil case. Let us not forget that insurance companies have very good billing departments but try and get money under a claim and you will be sorely disappointed with fine print and "wheras's"

 

[buckey01]

Even though I carry a gun, I make every effort to avoid any situation where I believe confrontation is possible. I hope never to find it necessary to use my gun. I am always aware of possible liability and I do have insurance. I certainly don't want to hurt anyone. I never want to be in a position where I have to live with the knowledge that I harmed someone and always have to wonder if it was really unavoidable. That said, I would defend myself an my family. Insurance is only one more layer of self protection.

Iowa has only a modified castle doctrine and it isn't called that. In your home you can protect yourself if you believe that your life is in danger. And you are protected from civil liability. There is also no obligation to retreat in your home. But that self defense might be open to interpretation by a court. We do not have a "stand your ground law." You must not knowingly enter a dangerous situation. If you can retreat SAFELY from a threat you are obligated to do so. Only when you believe that your life is in imminent danger can you use force. I would never want never to try to prove to a court that violence was unavoidable.

Remember, attorneys are professionals when it comes to distorting the truth and twisting the meaning of words. They can search your background for any statement to prove that you're guilty. The internet creates a record of all your statements. And everyone has said things that they didn't really mean. If nothing else the GZ case has made me more aware of my surroundings and everything I write or say.

 

[JSDinTexas]

I have looked into it and it might be a good idea - Bet Zim's defense cost $100,000+ no matter who's paying for it.
A couple of things though, be careful who you send the money to, and read the fine print.
I emailed two potential Concealed Ins providers asking to see their contract or terms of service, and neither even took the time to reply.

 

[BluesStringer]

Bet Zim's defense cost $100,000+ no matter who's paying for it.

I'm not positive if it was before or after the verdict was read, but I heard O'Mara say that Zimmerman's defense was already over $1 million, and that the various attempts at raising a defense fund had come nowhere near covering that cost as of that interview. He said that he had funded some of the costs himself, and when asked by the interviewer why, he said that once he accepts a case, he's committed, and investigators and experts have to be paid, and he couldn't let the case slip away for a lack of funding. He also committed in the post-verdict presser that he would seek, and get, immunity for GZ in any civil cases that come down the pike. Others here have said the law allows him to do that. I'm not so sure that it applies to someone who went to trial, even if they were acquitted. We'll just have to wait and see about that, because it's almost a certainty that someone will try, but it sounds like O'Mara has committed to stick with the case through that battle, and that means there's going to be a minimum of another hundreds of thousands of dollars that Zimmerman is going to ultimately be responsible for.

I recall when this first happened that many of us, myself included, scoffed at the notion that Zimmerman would be financially ruined by his actions based on what we thought was immunity being reserved for self defense shooters as clear as could be within the law. I happen to believe wholeheartedly that the verdict was the only correct one to make, and further believe that the case should've never been brought based on the Sanford PD's and prosecutor office's conclusions that it was, indeed, a self defense shooting. Imagine my embarrassment now that I, a staunch far-right conservative who never gives a break to any law enforcement officers/agencies or politicians that I believe are corrupt or abusive or usurpative, have been exposed as terminally naive about the State of Florida following their own laws and protecting George Zimmerman from political prosecution. To all those who said, "No matter what, Zimmerman's financial life is ruined forever," I now apologize for citing the parts of Chapter 776 of the Florida Code that were supposed to protect him from such ruination. This ain't America anymore. It's Thunder Dome, and anything goes in Thunder Dome.

Blues

 

[JSDinTexas]

A million dollars? I wouldn't doubt it. May be the best reason to check into some defense insurance of some sort if one carries daily.

 

[buckey01]

The GZ case was s political prosecution instigated by the DOJ and by Obama. The DOJ spent taxpayer's money organizing protests in Florida pressuring the state to indict Zimmerman. The special prosecutor did not seek a grand jury indictment and even withheld evidence in the case from the defence. The demonstrators, the special prosecutor, and the Administration claimed that they wanted justice and got it. In reality these people don't want justice they want revenge for real and imagined past abuses. There were also some who pushed this case for political advantage with the race pimps. The gun control advocates also saw an opportunity here.

Everything in which progressives are involved is designed to limit or destroy individual rights and control every aspect of life in this country. Total dependency is the desire of progressives, with a Marxist tyranny as the ultimate goal. Individualism, liberty, and the. Constitution are obstacles that must be destroyed. They are very close to their ultimate goal. And we are very close to slavery to an all powerful government. And the unbelievably ignorant majority seem eager for end result.

 

[whitneysc]

The US Concealed Carry Association (USCCA) provides Self-Defense Shield (at varying levels) as a service to their members. I was one of the very first to sign up in USCCA and to take advantage of this superior protection. I carry their legal advice card in my wallet that reminds me to keep my mouth shut in the event of an incident. I've also penned the phone number of my experienced self-defense attorney on the card for my first phone call and my wife has the same card in her wallet. I've already reached out to the attorney to establish the Attorney/Client relationship. He has all of my personal information in the event of an incident as well.

It's called being prepared for the assault "after" the incident. The nightmare of protecting yourself (and those you love) only begins if and when you are forced to pull the trigger!
There are numerous, good intentioned people in prison because they said or did the wrong thing after using deadly force.