Every action has an equal and opposite reaction. Just as a bullet leaving the muzzle of a gun creates recoil, making the personal decision to be your own defender brings new challenges to consider. Gun owners liability insurance provides coverage for damages resulting from negligence with a firearm. This means that such a policy would exclusively cover damages from unintentional harm. While this may be a worthwhile investment against such an incident, it doesn’t cover acts of lawful self-defense, which is what many people are looking for when they think of gun insurance.
Having firearms for self-defense purposes involves a dedication to being a responsible, law-abiding gun owner, and part of that responsibility is being prepared for a possible use-of-force incident. As a U.S. LawShield® member, you get not only the peace of mind that comes with having 24/7/365 access to qualified attorneys but also freedom protection. What does that mean? It means that here at U.S. LawShield, we believe in the importance of freedom—and we make your freedom our focus.
We’ve all seen how biased the legal system can be against gun owners. So, what’s a responsibly armed person to do? Maybe you’ve heard how self-defense coverage can be a saving grace during the legal aftermath of a self-defense incident. But with all the different legal defense and concealed carry weapon (CCW) insurance providers out there, how do you know what separates the good from the best? What do you actually need in your CCW or self-defense insurance policy?
As gun owners know best, gun laws are complex and one false move could put you on the other side of the law. Plus, gun laws are different in every state, which makes things confusing for law-abiding individuals across the nation. For example, the use of force in one state may constitute “deadly force” in another state, possibly creating a sticky situation if you’re traveling between states.
If you’ve made the personal decision to invest in the concept of armed self-defense, whether concealed carry or open, with firearms or without, then you know how important it is to prepare yourself for unlikely, but important scenarios to stay safe. It’s, as they say, not the odds, but the stakes.
As a gun owner, you might be wondering if you should have some form of self-defense insurance. Whether you’ve been debating the pros and cons of getting coverage or are considering a new plan, you’ve come to the right place. Let’s consider the most common reasons you might need or want self-defense insurance.
The aftermath of a self-defense incident can be incredibly stressful. You may know based on what was going on at the time of the incident that the only way you could save your own life was to use force, but sometimes police or prosecutors may see things differently. It’s even possible that the details of the incident are just too ambiguous. Either way, good lawful people who need to use force to defend themselves, can end up arrested and even prosecuted, just for saving their own life or the life of someone they love.
Scott Frey, of Bethlehem, Pennsylvania, has been a proud member of U.S. LawShield for seven years. In 2014, he decided to take responsibility for his personal protection and legally arm himself. Scott knew that it was the right decision for him. However, he also understood that it was important to fully comprehend his rights and secure reliable Legal Defense for Self Defense® coverage.
This is a real story of a self-defense encounter that happened to one our members. At the time, she was a single college student with no thoughts of what Legal Defense for Self Defense® might mean. To protect her identity, we are not including any real names, dates, or locations. For our purposes, we'll call our defender “Maria.”