While most Americans have probably not read the Constitution orthe Bill of Rights, most are familiar with certain sections, suchas freedom of speech, freedom of the press, and the right to bear arms.

Americans love their guns and are proud to own and carry them.Estimates indicate that there are roughly 300 million guns owned byAmericans. Many states have “shoot first” or “stand your ground”laws, allowing someone legally carrying a firearm to shoot firstand ask questions later if they fear for their lives. What happensnext though?

An individual legally carrying a weapon who shoots someone, evenin self-defense, may very well be arrested and have to appear incourt, and may even face criminal charges. The homeowners policyprovides a defense if the insured is legally liable but will notdefend criminal charges, nor do most carriers have special advisoryteams to advise the insured on what to do once arrested.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.