I reviewed the Delta Defense liability insurance policy, and I see that it covers defense and indemnification for claims of damages for “objectively reasonable” acts of self defense. Three questions:
Where would I find the contractual obligation to provide a defense in criminal law? I don’t see that in the Delta Defense policy - but that seems to be a big part of the USCCA marketing - that a defense will be provided to criminal charges. Please refer me to the coverage documents for that.
I’m concerned about the “objectively reasonable” standard for an act of self defense. I’m sure most people of good faith believe - subjectively - their shoot is reasonable at the time. But, what if later on, a civil or criminal court second guesses - as they tend to do - and determines that the shoot really wasn’t reasonable. Does the insured suddenly find themselves with no insurance and no lawyer?
What about negligent discharges - is that coverage found in the homeowner’s insurance policy? Is that standard or does it have to be specifically written in?
This is USCCA, Your Place for Self-Defense Education, Training and Discussions with Responsibly Armed Americans. I suggest you contact Delta Defense for the information you are looking for.
I imagine calling and emailing them most helpful. Their website has some info. I noticed on our member page, it has a section: https://my.usconcealedcarry.com/benefits
Under Membership benefits, right hand side, insurance information. As far as how strong a self defense definition the act contained, I’ve thought about that as well; For that, I try to learn the laws of the state I am in, as some states differ. I try to learn measured response God Forbid I ever encounter a sentinel event.
Story linked below; about just brandishing. I was sure the man who did so would be in severe legal trouble, I think he got lucky in the end. I thought his case was controversial, despite my belief in 2A rights, I think there is a fine line as to when to “draw”:
You should probably have a lawyer NOT with the USCCA review the policy if you have questions. I take the assumption that Delta is an insurance company first and foremost - make the money via premiums, keep the money by not paying liabilities; so if you have to defend yourself be darned certain its as plain as a dog turd in your driveway or you may be on the hook for everything.
This is just a Community where we discuss. I doubt anyone here is willing to answers such questions and provide info that actually should come from Delta Defense.
My recommendation - send an email:
Receipient:[email protected] Subject: Insurance for Concealed Carry/Liability for Concealed Carry Email body:
I reviewed the Delta Defense liability insurance policy, and I see that it covers defense and indemnification for claims of damages for “objectively reasonable” acts of self defense. Three questions:
Where would I find the contractual obligation to provide a defense in criminal law? I don’t see that in the Delta Defense policy - but that seems to be a big part of the USCCA marketing - that a defense will be provided to criminal charges. Please refer me to the coverage documents for that.
I’m concerned about the “objectively reasonable” standard for an act of self defense. I’m sure most people of good faith believe - subjectively - their shoot is reasonable at the time. But, what if later on, a civil or criminal court second guesses - as they tend to do - and determines that the shoot really wasn’t reasonable. Does the insured suddenly find themselves with no insurance and no lawyer?
What about negligent discharges - is that coverage found in the homeowner’s insurance policy? Is that standard or does it have to be specifically written in?
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David 1827 Heres ya a Root Beer Sir insurance uscca is in my opinion Sir great for training and peace of mind that said Sir just think about this if you know in your Heart that someone is truly Trying to kill you if you have insurance or not you have to Defend yourself and your Loved Ones. No matter what with or without insurance we must Protect our Lives and Loved Ones as for myself I am not relying on it the USCCA is going to Defend me when it comes to not Letting criminals harm me or anyone who cannot defend themselves Sir as I said it’s.peace of mind if you know in your heart you had no other option but to end the assault against you and innocents i would be Grateful if The uscca Could Help me that said i am going to Defend myself and innocents with or with out and the evil Bastard that trys to kill or harm me and mine will never know if I went home or to prison for them attacking me or mine . Love Bobby jean and Debbie ann twofeathers stay Sharp sir that’s my insurance training .
deranged i Am a member of the nra and the uscca an the first Baptist church and I train all i can I even have a Library card and im a member of CMA I HEDGED MY self against the evil of this world an I Believe in the Great Spirit and I Believe in my own ability to discern Good from evil and my Responds to all enemies Heres ya a Root Beer sir for the world is The class Room and Life’s the teacher Love Bobby jean and Debbie ann twofeathers Sir ps. I am mega.
Not yet done with the school of hard knocks my brother. Have learned much though through the years+ Momma didn’t raise no fools. Still learning, BUT no dummy. Love the root beer even the it bloats me right up.
MEGA?
MAGA?
I’M AMERICAN!!! And damned proud of it! No place I’d rather be brother! Greatest place and people on the face of this old world and no apologies given!
Deranged Thanks Brother we all need to stand up against this woke nonsense it’s truly time to That us American citizens not take any more Crazy crap from stupid as for me stupid don’t want to even slow down around me I used to be stupid thank the Great Spirit i didn’t get Layed even with the sod as in very Dead for just how violent i used to Live i am so Blessed someone Didn’t take me off the Board. I have Broken so many bones so many surgeries Brother if it took so much pain and suffering for me to wake up. Just think what it’s going to take to wake the woke thanks for asking about Debbie ann she is tougher than me by a yard stick and with stage 4 breast bone cancer she’s not even hurting like me that’s a testament to just how long it took for me to just calm down Brother Being Responsible is a full time job i think that’s why we have so many woke Bastards in our country because they are Lazy as in they never had to work for a living if they had to work they wouldn’t be able to do their so called peaceful protest and be on call 24.7 Destroying our country at least I never stood for nothing Brother it’s always cost me being Responsible cost lots less that doesn’t mean it’s not going to hurt KAZ nothing is free in this Life i wish the woke would understand their nothing is going to cost them everything Stay Sharp my Brother Love Bobby jean and Debbie ann twofeathers sir
Sir insurance uscca is in my opinion Sir great for training and peace of mind that said Sir just think about this if you know in your Heart that someone is truly Trying to kill you if you have insurance or not you have to Defend yourself and your Loved Ones. No matter what with or without insurance we must Protect our Lives and Loved Ones as for myself I am not relying on it the USCCA is going to Defend me when it comes to not Letting criminals harm me or anyone who cannot defend themselves Sir as I said it’s.peace of mind if you know in your heart you had no other option but to end the assault against you and innocents i would be Grateful if The uscca Could Help me that said i am going to Defend myself and innocents with or with out and the evil Bastard that trys to kill or harm me and mine will never know if I went home or to prison for them attacking me or mine . Love Bobby jean and Debbie ann twofeathers stay Sharp sir that’s my insurance training .