Maverick9
Regular Member
There's a discussion going on about the need for some kind of insurance in case you get sued from having to defend yourself.
Some say that the specific policies, like that from CCW Safe are the way to go, and that an Umbrella policy may have an 'Intentional Exclusion' clause, which prevents you from using it, because you more-or-less intentionally shot the bad guy trying to kill your child/spouse/loved one.
Now, I think most insurance agents belong at the bottom of the sea with most lawyers, Mr Hawes being an exception, but there should be some way to be SURE of your coverage, to KNOW what actually happens in Virginia (your own state) if you are CLEAN and shoot someone and are not prosecuted.
As most know, and IANAL, self-defense must be RULED to be the case so you can use it as an affirmative defense against the DEFAULT charge of murder should you 'kill' some mofo who needed killin', and by that humor I mean just 'stopped', not ded, necessarily, FYI.
The law is so complicated, I just wondered if anyone had any EXPERIENCE they could share that we could learn what is required, how Va law is set up and if there's a need to be concerned. That is concerned to the point of getting some kind of specific SD-related policy like CCW Safe, which is reportedly $129 a year, and gives you quite a bit. My online friends say it gets good reviews, covers you in all 50 states, has $250k bail coverage and provides expert witnesses. Only caveat, (sorry OC-only guys) you must have a valid permit in your home state.
Thanks for any help here. I'm not SUPER worried but I want to be clear what the state of affairs is in Virginia, at least.
TIA
Some say that the specific policies, like that from CCW Safe are the way to go, and that an Umbrella policy may have an 'Intentional Exclusion' clause, which prevents you from using it, because you more-or-less intentionally shot the bad guy trying to kill your child/spouse/loved one.
Now, I think most insurance agents belong at the bottom of the sea with most lawyers, Mr Hawes being an exception, but there should be some way to be SURE of your coverage, to KNOW what actually happens in Virginia (your own state) if you are CLEAN and shoot someone and are not prosecuted.
As most know, and IANAL, self-defense must be RULED to be the case so you can use it as an affirmative defense against the DEFAULT charge of murder should you 'kill' some mofo who needed killin', and by that humor I mean just 'stopped', not ded, necessarily, FYI.
The law is so complicated, I just wondered if anyone had any EXPERIENCE they could share that we could learn what is required, how Va law is set up and if there's a need to be concerned. That is concerned to the point of getting some kind of specific SD-related policy like CCW Safe, which is reportedly $129 a year, and gives you quite a bit. My online friends say it gets good reviews, covers you in all 50 states, has $250k bail coverage and provides expert witnesses. Only caveat, (sorry OC-only guys) you must have a valid permit in your home state.
Thanks for any help here. I'm not SUPER worried but I want to be clear what the state of affairs is in Virginia, at least.
TIA