Insurance company


RRGlock23

New member
Where I can find a insurance company for a injury person and for a lawyer?

If something is happen to you got shot or you shot to a person, and taken person to the hospital. You need a insurance company for the medical insured. If a bad guy sued you to court, is there a insurance company can covered for the lawyer's fee.
 

NDS

New member
Where I can find a insurance company for a injury person and for a lawyer?

If something is happen to you got shot or you shot to a person, and taken person to the hospital. You need a insurance company for the medical insured. If a bad guy sued you to court, is there a insurance company can covered for the lawyer's fee.
You Sigline says "NRA member"--check with them first. NRA offers several types of coverage for gun owners.
 

Avail

Doesn't like Kool-Aid
Also.. better grammar would get more responses. I'm still not sure what you asked.

:to_pick_ones_nose:

You and me both... Sounded to me like he was trying to say something along the lines of, 'what insurance company will pay my lawyer fees if I get in a gunfight and one/both of us gets shot and require medical attention?'

To answer the OP; I have no clue if an insurance company covers lawyer fees period, let alone if you get shot/shoot someone and have to go to court.
 

kengrubb

New member
RRGlock23,

If I understand your question correctly, unfortunately there is no such insurance policy to cover your liability when you shoot someone in self defense.

Self defense is a deliberate act. Under a claim of self defense one is stating "I did this and here's why I was justified."

Homeowners insurance won't cover you for deliberate acts. Only accidents. However, you don't EVER wanna claim "Officer, I didn't mean to shoot him" or "the gun went off by accident". You've perhaps just admitted to manslaughter.

A person in their own home, at least, ought to be immunity from civil liability if they didn't do anything criminally wrong in defending themselves from criminal attack. However, oughta, coulda, woulda, shoulda.
 

kelcarry

New member
IF you are residing in a state that has a Castle Doctrine a perp has to be out of his mind to fool with you. In SC, the law is rather clear--there is a presumption of reasonable fear of bodily injury or death if a slimeball is just in the process of unlawfully and forcefully entering your house OR your car---in which case you can use deadly force to meet the presumed threat. Out on the road or in the street where there is an altercation and not a forceful entry into your car, you had better be careful. In either case, at least in SC, if you are not liable criminally, you are absolved of any civil liability. Just follow the threads on this forum for individual state laws and read them.
 

Dewhitewolf

Armed Snowboarder
There is such a thing as self defense insurance. It falls under the category of personal liability insurance. Here's one kind offered through the NRA (not underwritten by the NRA):

Link Removed
 

Jim_Macklin

New member
Often your home, renters or car insurance may cover some liability. The suggestion to contact the NRA is a good one, but inquire of your insurance agent.
Make sure your insurance carrier does not "force" you to plead or settle to something just to save them money. You are worried about your legal criminal liability and reputation. Make sure you like the policy and any limitations.
 

Dewhitewolf

Armed Snowboarder
^^^The way insurance companies typically work is that if you want the insurance company to defend you, you give them the right to settle (in civil claims only). If you are involved in a self-defense situation, and you invoke your insurance to indemnify you, they will likely settle (litigation costs can exceed your liability coverage, leaving you with the excess costs). If the company does settle, then the case can never again be filed (isn't the peace of mind worth the settlement). Considering that a settlement can be reached rather quickly, versus waiting years for a court trial, with pre-trial motions, depositions, and discovery research can take an emotional toll, it's not unreasonable in the least to settle.

Settling a case is NOT an admission of guilt under any jurisdiction's Rules of Evidence. That means that any settlement cannot be used against you in any other case, civil or criminal. The law recognizes that some settlements may be motivated simply as a means of "buying the peace" and putting an issue to rest. It also recognizes that the cost of defending against litigation can cost significantly more than a settlement.

The insurance company cannot require you to admit guilt in criminal court, nor can they enter a plea without your consent. This would be contradictory to the lawyer's duty of zealous representation.

Keep in mind that just because you have insurance does not mean they will defend you. Be sure you understand how your policy works, and what its limitations are. If you are not within the limitations, or if during the incident you commit an intentional crime, or an intentional, malicious act, then your insurance policy cannot defend you.
 

Stiofan

New member
Homeowners policies typically (99% of the time) will not pay for intentional acts as Ken said above. They may pay for defense costs with a reservation of rights not to pay any final award, but even that is a stretch.


The NRA policy is the correct way to go, and was designed to specifically fill this need.


Where a homeowners policy will pay is if your gun fires accidentally and injures someone. An example is your house catches on fire and you've left loaded guns stashed all around, one cooks off and hits a fireman responding.


BTW, an insurance policy has nothing to do with pleas and and criminal defense attorneys, that's for criminal court. They will only deal with civil trials involving financial awards.


30+ years as an agent and underwriter.
 

Glock27

New member
25 years ago when I carried a permit in SC you were required to buy insurance to post bond in case you were arrested even if the shooting was justified. At that time I went to Pridential and got a Million dollar peronal liability policy in case I was sued in a Civil court over a Justified shooting. Keep in mind even if the action is justified you can still be hauled in to a civil suit. I tried about 10 years ago and could find no one to purchase liability insurance from. It may exist. I would call the NRILA ofNRA and ask them. Their legal dept may know. I am afraid now most insurance companies do not want to get involved in self defense situations
 
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Stiofan

New member
Case in Pennsylvania just decided regarding this issue.


The U.S. Third Circuit Court of Appeals has ruled that a man’s drunkenness did not render his attempted shootings of a woman accidental and therefore did not trigger coverage under either his homeowners policy or his personal umbrella liability policy under Pennsylvania law.

The court sided with State Farm Fire & Casualty in denying coverage to Dr. Thomas Mehlman for his March 2005 attempted shootings of Maria Iacono. Iacono survived as the multiple shots fired at her by Mehlman all missed but Mehlman killed himself after the attempts. Iacono then sued Mehlman’s estate, which sought to have his insurance policies pay.

The appeals court concluded that despite Mehlman's intoxication, Iacono’s alleged injuries were not caused by an accident so there was not an “occurrence” under the homeowners policy or a “loss” under the umbrella policy. State Farm did not owe a duty to defend or indemnify Mehlman under either policy.

“Mehlman’s alleged actions demonstrate that he had an unmistakable intent to cause harm to Iacono. Damages resulting from a violent assault with a deadly weapon are exactly the type of injury against which insurance companies are not and should not be expected to insure,” the appeals court stated.

Insurance Does Not Cover Shootings by Drunk Pennsylvania Doctor
 

kengrubb

New member
From Link Removed:

C. Defense of Criminal Charges or Criminal Proceedings

We shall have no obligation to provide a defense or to reimburse the “insured” for any costs or expenses incurred in connection with the investigation or defense of any criminal charges or criminal proceedings against the “insured”. However, subject to all of the terms, conditions and exclusions of this policy, we will reimburse the “insured” up to the Limit of Liability stated on the Declarations, for the reasonable and necessary costs and expenses incurred in connection with the investigation and/or defense of any criminal charge or criminal proceeding caused by or arising out of the use of a “legally possessed firearm” providing both:

1. the “insured” pleads not guilty; and

2. the criminal charge or criminal proceeding is either dismissed or the “insured” is acquitted.

If both of the above conditions C.1 and C.2 are fulfilled and reimbursement is made under this Insuring Agreement, reimbursement of the reasonable and necessary costs and expenses incurred in connection with the investigation or defense of any criminal charges or criminal proceedings shall be part of not in addition to the Limit of Liability stated on the Declarations. Thus, payment of such costs and expenses will erode and may exhaust the Limit of Liability provided by this policy.

Washington State already provides some of this protection gratis via RCW 9A.16.110 - Defending against violent crime — Reimbursement.

... (2) When a person charged with a crime listed in subsection (1) of this section is found not guilty by reason of self-defense, the state of Washington shall reimburse the defendant for all reasonable costs, including loss of time, legal fees incurred, and other expenses involved in his or her defense. This reimbursement is not an independent cause of action. To award these reasonable costs the trier of fact must find that the defendant's claim of self-defense was sustained by a preponderance of the evidence. If the trier of fact makes a determination of self-defense, the judge shall determine the amount of the award ...
 

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