Concealed Carry Permits and Liability Insurance

Self Defense is something no one wants to have to deal with but if you have gone through the steps to protect yourself and family with a Concealed Carry Permit, have you thought about what would happen after the incident? The moments after using your gun to protect your family are going to be full of confusion, adrenaline, and possibly panic. The days, weeks, and months to follow could become very difficult if things aren't managed properly.

Many have the question, why would I be in trouble for protecting myself?  
  It happens all the time. Self defense is not always black and white and not everyone understands the reality of self defense. For example, what if you shoot an attacker, and the moment you pull the trigger, he turns so that a bullet goes into his back? What if you're being beaten by three teenagers, you shoot, and one shot kills a 14-year old? What if an anti-gun prosecutor hopes to get publicity for convicting you?

If you are taken to jail, will you have the money to post bond? What about legal costs for defense? Lost wages for time off of work to get this straightened out? What if the family of the person you had to shoot brings a civil suit against you? 

Even though you should come out of it all with no charges against you, it may take a lot of time and money to get to that point. This topic has come up to insurance agents more and more in recent years and many times you won't get a clear answer because the homeowners policy language is somewhat unclear when it comes to this sort of liability issue. You would typically have coverage for an accidental shooting, which usually means an accident while hunting or handling the gun improperly, but if you intentionally shoot, even though it was in self defense, it could be excluded. If you are unsure how you would be protected, lets talk about it. Our job as insurance agents is to protect you and your family, and this is just a possible gap in coverage your traditional insurance package has that we can help you fill.