In this YouTube video, 32icon looks at the concept of self defense liability insurance. Firearm owners may want to consider obtaining this type of insurance coverage if they feel it makes sense for their situations.
It’s always a possibility that a firearm owner can be sued after a shooting by a victim or their family, even if the shooting was justified.
Self-defense laws vary in each state, and the exact circumstances of each shooting incident will determine whether the firing was justified.
Lawsuits are costly, even when a person is innocent. The time and stress of navigating the legal system for a person and their family can be detrimental.
Each self-defense liability insurance provider is different and provides certain benefits. Some of them will provide a cap on the benefits a person receives or may only cover the use of firearms during an altercation and not other weapons of opportunity. Other policies may allow a person to choose their own attorney, while some will fly a team out to a person’s location and stay with them during the duration of a trial.
A gun owner should carefully review all the terms and conditions of an insurance policy claiming to cover self-defense incidents involving firearms. While it’s important to be safely trained in using a gun, it’s just as important to be thoroughly familiar with a policy of this nature if a gun owner chooses to obtain it.