|There can be ramifications to defending yourself. (picture: www.coloradopersonalsecurity.com )|
In my rural part of the state, a lot of responsible citizens have a concealed weapons permit, which we abbreviated here as a CWP. Of course, we all hope that we will never be in a situation where it needs to be used, but we have it for the situations in which a family member (or myself) would likely die, if we didn't. I have a CWP in order to defend myself and my family. I have been fortunate enough thus far, that I have never had to draw it on a human being, but I have had occasion to shoot a couple of rabid animals in separate occasions, as in many places in the rural United States, rabid wildlife is endemic. I am well practiced, and I take this responsibility very seriously.
Once in a great while someone in a rural county which neighbors ours shoots and kills an intruder. The law here does allow the shooting of an intruder within your home and the law does leave room for you to shoot someone if you are facing a potentially lethal threat outside your home. . The last person I knew, or should say more accurately, with whom I was acquainted, who did this, spent $83,000 on legal fees defending himself for the shooting and subsequent death of an intruder who was armed with a knife. It seems that if you do everything correctly, and survive, you still may incur legal fees for your own protection afterward which could wipe out a retirement account. (If in this pale economy, you could ever manage to gather one, in the first place.)
It seems there is now an alternative. Whether your state calls it a CWP or CCW, CHL, HCP, HCL. CPL. or HR 218 you can now buy insurance which will protect you from having to pay the potentially outrageous costs of protecting yourself. CCW Safe is a type of insurance that you may buy annually or every five years. You may buy this as an individual, or as a dual membership (two in a family, husband and wife, brother and sister, mother and daughter etc.) There is even a specialized plan for off duty law enforcement officers who may need to shoot someone is a use of force incident while away from work. It not only pays your legal fees in association with the legal use of your firearm, but it provides expert investigators, expert attorneys who specialize in this type of case, and expert witnesses, all at your disposal. There is a significant discount in your annual fee if you are a military officer or a law enforcement officer. I have malpractice insurance in the course of working as a registered nurse. Think of this as malpractice insurance for the lawful use of your Concealed Weapons Permit and your weapon.
You may buy this insurance in whatever state you have a concealed weapons permit. They recommend, if you are traveling that you become very familiar with the laws of the states you may be traveling through. The terms of their Contract with you, is on their Terms Page. You are covered for the use of legal weapons, even those other than your handgun, while in your residence, as you defend yourself or your family from an intruder. You are covered for either a criminal, administrative or a civil charge in association with the legal use of a weapon. You are, of course, not insured for any criminal acts, (just as my malpractice insurance doesn't cover me for acts of total stupidity like placing a tourniquet around someone's neck.) Your annual fee will remain the same for that year, however it could go up when your insurance is renewed. To order, you must have a concealed weapons permit with number, and you must give the state in which you are licensed/permitted to carry a handgun.
These are important contact pages:
Single membership information
Dual membership information
Military or Law Enforcement membership information
How to Join By Mail
To Join Online
I am not an investor, nor do I have any financial interest in this company. I also suspect that those of you with an NRA membership might find that the NRA has a similar offer. I have not yet purchased this type of coverage, but I am considering it.
I am not recommending any one type of insurance over another. I am simply making my readers aware of such an offering. Please do your own due diligence. Check out other companies that offer a similar plan. Call these people and ask them questions.
Of course, let me know what you think, and with your permission, I'll post it here. Perhaps we can make other readers familiar with all the offerings of this type.
This is another company which also offers CWP insurance:
Remember that this type of insurance does not pay for the medical care of the person you shoot. It pays for or provides payment for professional witnesses, attorneys who specialize in this type of case, etc.