CCW Insurance

[Georgeinphoenix]

Hi. Just wondering what the consensus is on carrying insurance like USCCA? I believe carrying is a great responsibility and training and financial responsibility is a must (for me). Thought? Opinions?

Thanks and be safe.

[Flash]

I think it's the greatest scam since extended warranties for products.

Here's the thing. If you get involved in a shoot and it's a good shoot, you won't need insurance.

If you get involved in a shoot and it's a bad shoot, the insurance doesn't cover you.

It's a great way for some people to make a bunch of money with close to zero risk, though.

[Georgeinphoenix]

Correct me if I'm wrong but even if determined a good shoot, criminally, the shooter can still be sued in civil court where the burden of proof is 51/49. Even if the suit has nothing to it, a lawyer would still need to be obtained to prove the suit is BS.

[AZ Husker]

I carry a million dollar umbrella policy with USAA. Inexpensive and does cover legal shooting liabilities, not to mention tons of other perils.

[Flash]

Correct me if I'm wrong but even if determined a good shoot, criminally, the shooter can still be sued in civil court where the burden of proof is 51/49. Even if the suit has nothing to it, a lawyer would still need to be obtained to prove the suit is BS.

Not in Arizona. If it's ruled a good shoot, you can't be sued in Civil court here.

[Georgeinphoenix]

Correct me if I'm wrong but even if determined a good shoot, criminally, the shooter can still be sued in civil court where the burden of proof is 51/49. Even if the suit has nothing to it, a lawyer would still need to be obtained to prove the suit is BS.

Not in Arizona. If it's ruled a good shoot, you can't be sued in Civil court here.

Thanks. I will look more into that. Even if it is a good shoot, the shooter will likely end up in court in some capacity. I get what you're saying but for a few bucks a week, in my opinion it is worth it. Hopefully I will never have to find out.

[Georgeinphoenix]

I carry a million dollar umbrella policy with USAA. Inexpensive and does cover legal shooting liabilities, not to mention tons of other perils.

I do the same. Just wondered if something more specific to self defense in general would be worthwhile.

[Elk34]

Correct me if I'm wrong but even if determined a good shoot, criminally, the shooter can still be sued in civil court where the burden of proof is 51/49. Even if the suit has nothing to it, a lawyer would still need to be obtained to prove the suit is BS.

Not in Arizona. If it's ruled a good shoot, you can't be sued in Civil court here.

Great.

[AZ Husker]

Hey Flash, could you please post that statute? I'm curious.

[Flash]

Hey Flash, could you please post that statute? I'm curious.

https://law.justia.com/codes/arizona/20 ... ion13-413/

2011 Arizona Revised Statutes
Title 13 Criminal Code
13-413 No civil liability for justified conduct

Universal Citation: AZ Rev Stat § 13-413 (1996 through 1st Reg Sess 50th Legis)
13-413. No civil liability for justified conduct

No person in this state shall be subject to civil liability for engaging in conduct otherwise justified pursuant to the provisions of this chapter.

[AZ Husker]

Thanks!

[Elk34]

Nice, thank you

[Az desert rat 1]

Flash, thanks for mentioning 13-413. A lot of people don't know about that statute.

[Flash]

Flash, thanks for mentioning 13-413. A lot of people don't know about that statute.

You're welcome. I try to stay up on things like this since I carry.

[Elk34]

Thanks for that.