Carry Insurance

[On_Code]

I suggest USCCA. They cover all the bases, the price is fair & reasonable plus there is a ton of educational resources.

[Jose_in_Dallas]

So just curious but has anyone who has carry insurance have to use it before? Thinking about getting insurance but looking for real life experience from someone who has had to use it before.

[oljames3]

So just curious but has anyone who has carry insurance have to use it before? Thinking about getting insurance but looking for real life experience from someone who has had to use it before.

Choosing a legal plan is not unlike choosing a self-defense firearm. What matters to me will probably not matter to you. My extended family and I are all members of US LawShield.

I do, however, personally know someone who has had to use his plan. John Daub lives in Austin and is Senior Instructor at KR Training. I'm taking my three sons to his Defensive Pistol Skills 1 class on 21 SEP 19. In 2015, he had to defend his family. He is a member of the Armed Citizens Legal Defense Network. This link is to an article describing John's incident, written by Massad Ayoob. https://americanhandgunner.com/the-ayoo ... -incident/

I have heard John recount the event. He was satisfied with the support ACLDN provided and is still a member.

I have had occasion to hear the US LawShield program attorney who would represent me in court recount, in general terms, cases he has tried in central Texas. Here is a link to a US LawShield YouTube video describing three member incidents. The other legal plans have similar depictions on their web sites.
https://www.youtube.com/watch?v=Di4K-s3BKEY

[Caliber]

The report is from May 2018, so it might be outdated. I'm surprised these two questions were not included because they are bigees:
1. What are your claim limits, if any?
2. Are civil penalties covered?

[Caliber]

The report is from May 2018, so it might be outdated. I'm surprised these two questions were not included because they are bigees:
1. What are your claim limits, if any?
2. Are civil penalties covered?

Those sound like things an umbrella insurance policy would cover more than "lawyer insurance".

If you're talking about a home umbrella policy (which "sits on top" of the home general liability policy), then the answer is no it will not. Your home GL and umbrella (if you have one) covers UNINTENTIONAL acts and does not cover INTENTIONAL acts. Pulling the trigger is an INTENTIONAL act.