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.
Gun insurance available
Fortunately for those legally carrying guns, insurance for such actions is available. TheUnited States Concealed Carry Association (USCCA) provides a policyfor its members designed to provide immediate assistance after anincident. Limits range from $250,000 to $1,000,000 for civil suitdefense, damages, and firearm theft coverage; $50,000 to $125,000for attorney retainer and up-front criminal defense; $2,500 to$100,000 immediate bail bond funding; and $250 to $500 a day forcompensation while in court.
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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.
