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kpete

(72,022 posts)
Wed Jun 13, 2012, 11:59 AM Jun 2012

NRA Offers ‘Stand Your Ground’ Insurance To Cover Legal Costs Of Shooting People In Self-Defense

NRA Offers ‘Stand Your Ground’ Insurance To Cover Legal Costs Of Shooting People In Self-Defense
By Ali Gharib on Jun 13, 2012 at 11:20 am




In a rare “scoop” for an editorial cartoonist today, Matt Bors skewered a little-known National Rifle Association (NRA) program that offers insurance to cover policy holders’ costs should they become embroiled in a legal battle after shooting someone in self-defense.

The insurance — technically endorsed by the NRA and administered by Lockton Affinity exclusively for NRA members — is available as a rider to the “excess personal liability” plan. Here’s how the website advertises the added coverage for self-defense (emphasis in the original):
What’s Covered:

• Provides coverage up to the limit selected for criminal and civil defense costs.
• Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.
• Criminal Defense Reimbursement is provided for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.

more:
http://thinkprogress.org/justice/2012/06/13/497635/nra-stand-your-ground-insurance/

96 replies = new reply since forum marked as read
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NRA Offers ‘Stand Your Ground’ Insurance To Cover Legal Costs Of Shooting People In Self-Defense (Original Post) kpete Jun 2012 OP
Now can we ban pro-NRA support from Democratic Underground? onehandle Jun 2012 #1
I haven't seen any support for the NRA here. I've seen a lot of gun owners here. eallen Jun 2012 #12
I'm one of them SGMRTDARMY Jun 2012 #18
You have another member sarisataka Jun 2012 #20
Don't Kid Yourself. Paladin Jun 2012 #21
So why don't you and your pal below SGMRTDARMY Jun 2012 #69
+1,000,000,000 baldguy Jun 2012 #37
My Dem candidate for Congress is a member of the NRA Kaleva Jun 2012 #48
Is this Bart Stupak's old district? sadbear Jun 2012 #52
Yes it is. Kaleva Jun 2012 #59
He's also anti-gay, anti-marriage equality, anti-abortion, etc, etc, etc. baldguy Jun 2012 #56
Which brings up a problem here in DU. Kaleva Jun 2012 #60
And yet, attacking Dems is always acceptable - if they're in favor of gun control. baldguy Jun 2012 #61
My Dem. Senator SGMRTDARMY Jun 2012 #72
Not supporting a Dem candidate who is a member of the NRA could get one PPR'd. Kaleva Jun 2012 #57
Democrats who were members of the DLC were driven away from that group. onehandle Jun 2012 #62
Support of the BoR is now classified as hate? Spoonman Jun 2012 #74
Speechless. myrna minx Jun 2012 #2
Wish I could honestly say this shocks me GObamaGO Jun 2012 #3
Sounds like premeditation to me. Baitball Blogger Jun 2012 #4
this is definitely premeditation NightWatcher Jun 2012 #6
How? hack89 Jun 2012 #13
Believe me, people who have access to power act differently when they know Baitball Blogger Jun 2012 #16
Not sure I agree. hack89 Jun 2012 #17
Still trotting out the logical falsehood bongbong Jun 2012 #26
There is no connection between more guns and less crime. hack89 Jun 2012 #28
We can also say with certainty... DanTex Jun 2012 #36
And our gun violence rates are skewed by drug violence hack89 Jun 2012 #38
Bullshit. Our gun violence rates are skewed by fucking guns. morningfog Jun 2012 #40
So lets make them illegal like drugs. That worked really well. hack89 Jun 2012 #42
So, WHO is killing WHO. Be specific, you seem to know. morningfog Jun 2012 #44
Organized gangs associate with the drug trade hack89 Jun 2012 #45
Is that the ones doing the killing or the ones being killed or both? morningfog Jun 2012 #47
Both hack89 Jun 2012 #49
I'm still unclear how you separate out access to guns? morningfog Jun 2012 #51
Did you dig through the FBI reports? hack89 Jun 2012 #53
I read through some. Who is killing who? You are the knowing one. morningfog Jun 2012 #54
Start with table 3. nt hack89 Jun 2012 #55
If you have some data, excerpt it and link it. morningfog Jun 2012 #58
I'm still curious about who is killing who. morningfog Jun 2012 #96
Premeditation of what? OneTenthofOnePercent Jun 2012 #24
So having liability insurance constitutes premeditation? Spoonman Jun 2012 #76
Do you really expect anything else from the NRA Drale Jun 2012 #5
Holy crap. Wait Wut Jun 2012 #7
Hey, isn't that Hank's dad from "King of the Hill"?...eom Kolesar Jun 2012 #8
Life insurance is so 20th century. Death insurance is NOW! KamaAina Jun 2012 #9
And Zombie insurance is for the future! ellisonz Jun 2012 #63
How is this different than other types of liability insurance? badtoworse Jun 2012 #10
Quelle Surprise !!! marmar Jun 2012 #11
This could back-fire [pun intended] rhett o rick Jun 2012 #14
Murder Insurance! SoutherDem Jun 2012 #15
They don't pay if it is murder. hack89 Jun 2012 #29
Guess I should have added a sarcasm smile SoutherDem Jun 2012 #34
Even if innocent, a civil suit can bankrupt anyone. hack89 Jun 2012 #35
Not true Spoonman Jun 2012 #79
I agree that every state should have such laws hack89 Jun 2012 #81
A "scoop"? sarisataka Jun 2012 #19
The "snide implication" is that blacks are most likely to be victimized by people with this EOTE Jun 2012 #22
So do you use your car insurance sarisataka Jun 2012 #23
Who purchases insurance to KILL SOMEONE. EOTE Jun 2012 #25
Answer for you bongbong Jun 2012 #27
Pretty much. EOTE Jun 2012 #30
Why? hack89 Jun 2012 #31
Read my post 25. EOTE Jun 2012 #32
Not making much sense there hack89 Jun 2012 #33
If you are poor, you're provided counsel. EOTE Jun 2012 #65
So what is the harm of this insurance? nt hack89 Jun 2012 #68
I've said it numerous times in this very thread. EOTE Jun 2012 #70
The only reason? Ok hack89 Jun 2012 #73
What other reason would there be? EOTE Jun 2012 #75
Have you considered that they are the victims of slick marketing? hack89 Jun 2012 #77
OK, either they want to kill someone OR they're idiots who'll fall for anything. EOTE Jun 2012 #78
As a matter of fact SGMRTDARMY Jun 2012 #80
The great, great, great majority of people never need to kill someone. EOTE Jun 2012 #82
This ins. has been around for years SGMRTDARMY Jun 2012 #83
Yes, that's my gut feeling. EOTE Jun 2012 #84
I'm not trying to be argumentive SGMRTDARMY Jun 2012 #85
Why would there be statistics? EOTE Jun 2012 #86
I can name 2 org. that would be jumping SGMRTDARMY Jun 2012 #88
Once again, only IF the studies had been done. EOTE Jun 2012 #90
I'm sorry if I didn't say this clearly SGMRTDARMY Jun 2012 #91
Sue? This is being charged with a crime. Fucking murder at that. Jesus. morningfog Jun 2012 #41
The insurance covers civil cases too - didn't you read the OP? nt hack89 Jun 2012 #43
Yeah, it covers both. morningfog Jun 2012 #46
No one sarisataka Jun 2012 #39
It doesn't matter if you have the resources or not. EOTE Jun 2012 #66
What the insurance does sarisataka Jun 2012 #93
And once again, one has the ability to counter sue if acquitted. EOTE Jun 2012 #94
We each have our opinions on this sarisataka Jun 2012 #95
I'm willing to bet that any policy issued has EXCLUSIONS... cherokeeprogressive Jun 2012 #50
Ummm, just how is this cartoon racist? EOTE Jun 2012 #67
The NRA is such a danger to this country it should be disbanded. I personally don't like guns BUT lookingfortruth Jun 2012 #64
Post removed Post removed Jun 2012 #71
Probably a bad idea (assuming this isn't satire) 4th law of robotics Jun 2012 #87
Not really SGMRTDARMY Jun 2012 #89
Great cartoon... made me giggle. LanternWaste Jun 2012 #92

onehandle

(51,122 posts)
1. Now can we ban pro-NRA support from Democratic Underground?
Wed Jun 13, 2012, 12:03 PM
Jun 2012

Now can we officially call them a hate group?

Hmm?

eallen

(2,955 posts)
12. I haven't seen any support for the NRA here. I've seen a lot of gun owners here.
Wed Jun 13, 2012, 12:32 PM
Jun 2012

Fortunately, there are many gun owners who despise the NRA.

 

SGMRTDARMY

(599 posts)
18. I'm one of them
Wed Jun 13, 2012, 01:06 PM
Jun 2012

although I think we should all join the NRA and stage a coup from within and throw out all those asshole RW'ers like Nugent, LaPierre, and such. You would see RW'ers heads do this:

sarisataka

(18,774 posts)
20. You have another member
Wed Jun 13, 2012, 01:18 PM
Jun 2012

with the same goal.

As I pointed out below, this insurance is nothing new. I would like to see a radical change in the leadership take place in the very immediate future.

Paladin

(28,275 posts)
21. Don't Kid Yourself.
Wed Jun 13, 2012, 01:42 PM
Jun 2012

There's plenty of pro-NRA sentiment down in the Gungeon---sometimes you have to dig through a lot of the usual trashing of the Democratic Party, but it's there, on a daily basis....
 

SGMRTDARMY

(599 posts)
69. So why don't you and your pal below
Thu Jun 14, 2012, 09:55 AM
Jun 2012

show us the plenty of pro-NRA sentiment down in the Gungeon. I visit there frequently and I haven't seen it. If it's so prevelant, it shouldn't be hard to provide links. The only support I've seen is the NRA's safety programs like the Eddie Eagle program that teaches children what to do if they find a gun. Other than that, there is no support for the NRA, especially the political arm of them, the NRA-ILA.
I myself won't but this insurance as I have my own, but I'm certainly not going to trash those that want to, their choice and all.

 

baldguy

(36,649 posts)
37. +1,000,000,000
Wed Jun 13, 2012, 07:04 PM
Jun 2012

Last edited Wed Jun 13, 2012, 08:53 PM - Edit history (1)

The NRA is nothing but a front group for the Republican Party. Their policies are incomparable with the principles of the Democratic party. Too many people on DU & in the gungeon in particular claim to be Democrats, yet they go out of their way to promote the NRA's policies, and go out of their way to denigrate & deride Democrats who oppose the NRA and support reasonable gun control policies.

When popularly elected Democrats in majority-Democratic cities (like NYC, Chicago, Detroit, etc, etc.) and municipalities enact popular & reasonable gun restrictions, nobody on DU should be advocating for the opponents of these Democrats.

edit:
No surprise that the usual suspects are supporting this RW extremist shit.

Kaleva

(36,354 posts)
48. My Dem candidate for Congress is a member of the NRA
Wed Jun 13, 2012, 10:12 PM
Jun 2012

Gary McDowell is running unopposed for the Democratic Party nomination to run for a seat in the House in Michigan's 1st Congressional District.

"McDowell, an NRA member with a perfect NRA voting record as a state legislator..."

http://eupnews.com/recent-mcdowell-announcements-includes-ss-committee-and-nra/

At his campaign website, he talks about his "A" rating from the NRA.

"Gun Rights
Gary is a strong supporter and advocate for the 2nd Amendment rights of every individual.

In the Michigan legislature, Gary authored legislation and supported the right for each of us to legally possess and carry firearms as well as preserving the right to hunt and fish. Advocating these principles is why Gary always received an “A” rating from the National Rifle Association."

http://www.mcdowellforcongress.com/home/issues

 

baldguy

(36,649 posts)
56. He's also anti-gay, anti-marriage equality, anti-abortion, etc, etc, etc.
Wed Jun 13, 2012, 10:37 PM
Jun 2012

Last edited Wed Jun 13, 2012, 11:09 PM - Edit history (1)

http://www.democraticunderground.com/124082438

Sounds like a DINO - he'd flip if he gets pushed a little.

Kaleva

(36,354 posts)
60. Which brings up a problem here in DU.
Wed Jun 13, 2012, 10:47 PM
Jun 2012

McDowell is fair game here at DU until the end of the primary season, which I believe is early September. However, after that, attacking a Dem such as him could be seen as pushing it.

 

baldguy

(36,649 posts)
61. And yet, attacking Dems is always acceptable - if they're in favor of gun control.
Wed Jun 13, 2012, 11:01 PM
Jun 2012

That's why the gungeon exists.

 

SGMRTDARMY

(599 posts)
72. My Dem. Senator
Thu Jun 14, 2012, 10:10 AM
Jun 2012

is A+ rated by the NRA, but also pro choice, pro gay marriage, voted for the ACA, all in all, very liberal. How do you explain that?

Kaleva

(36,354 posts)
57. Not supporting a Dem candidate who is a member of the NRA could get one PPR'd.
Wed Jun 13, 2012, 10:38 PM
Jun 2012

Trying to smear a long time Dem like Gary McDowell for supposedly belonging to a hate group is not a wise thing to do on DU.

http://mcdowellforcongress.com/

onehandle

(51,122 posts)
62. Democrats who were members of the DLC were driven away from that group.
Thu Jun 14, 2012, 12:15 AM
Jun 2012

Until the group was basically gone.

And the Blue Dogs died in 2010.

Fuck the NRAGOP.

 

Spoonman

(1,761 posts)
74. Support of the BoR is now classified as hate?
Thu Jun 14, 2012, 10:25 AM
Jun 2012

Sounds like a pretty far right (hate filled) concept to me.

Hmm.... Maybe it is YOU that needs to find a forum that encourages the denigration of civil liberties?

NightWatcher

(39,343 posts)
6. this is definitely premeditation
Wed Jun 13, 2012, 12:16 PM
Jun 2012

people buy guns for lots of reasons (yea, sure lets go with that for a moment), but to claim to need coverage in the event that you stand your ground???

self defense is quite another thing altogether. if someone breaks into your home and you shoot them, there is no legal cost and you are covered by traditional self defense laws.

this is a farce

hack89

(39,171 posts)
13. How?
Wed Jun 13, 2012, 12:46 PM
Jun 2012

I think it is a stupid idea but I can't see how it is encouraging people to commit murder. After all, it specifically says you have to be acquitted of any criminal charges to be paid.

Baitball Blogger

(46,758 posts)
16. Believe me, people who have access to power act differently when they know
Wed Jun 13, 2012, 12:52 PM
Jun 2012

someone else is going to pay their lawyer's fees.

The cost of good representation emboldens unethical people when they have that resource, and victimizes those who can't afford it to fight back.

hack89

(39,171 posts)
17. Not sure I agree.
Wed Jun 13, 2012, 01:00 PM
Jun 2012

in any case, I suspect that gun violence rates will continue to decline and it will be impossible to pin any deaths on this insurance.

 

bongbong

(5,436 posts)
26. Still trotting out the logical falsehood
Wed Jun 13, 2012, 05:02 PM
Jun 2012

A certain gun-religionist always - ALWAYS - trots out the same falsehood about some connection between more guns or looser gun laws with lesser gun violence.

When this particular gun-relgionist is told he is making a false statement, he sputters about not doing it - and then about .04 seconds later does it again.

Gun-religionists are a strange, strange breed.

hack89

(39,171 posts)
28. There is no connection between more guns and less crime.
Wed Jun 13, 2012, 05:07 PM
Jun 2012

The only thing we can say with certainty is that gun violence has steadily declined to historic lows and is still declining. The reasons are many and complex.

Having corrected your lie many times before, why are you still repeating it?

DanTex

(20,709 posts)
36. We can also say with certainty...
Wed Jun 13, 2012, 06:54 PM
Jun 2012

...that the US has gun violence rates some 5-10X higher than the rest of the developed world, where gun laws are based in reason and public safety rather than right-wing ideology.

hack89

(39,171 posts)
38. And our gun violence rates are skewed by drug violence
Wed Jun 13, 2012, 07:25 PM
Jun 2012

we know very well who is killing who in America.

 

morningfog

(18,115 posts)
40. Bullshit. Our gun violence rates are skewed by fucking guns.
Wed Jun 13, 2012, 08:45 PM
Jun 2012

Why don't you say exactly what you mean?

"we know very well who is killing who in America." For the sake of argument WHO is killing WHO?

hack89

(39,171 posts)
42. So lets make them illegal like drugs. That worked really well.
Wed Jun 13, 2012, 09:47 PM
Jun 2012

most murders are committed by criminals with extensive criminal records. Gang violence is the biggest source of murders - did you just miss the bloody weekend Chicago just experienced?

hack89

(39,171 posts)
45. Organized gangs associate with the drug trade
Wed Jun 13, 2012, 10:04 PM
Jun 2012

those gangs that live in those cities with astronomical murder rates.

hack89

(39,171 posts)
49. Both
Wed Jun 13, 2012, 10:16 PM
Jun 2012

Here are the FBI crime reports - all sorts of good details to sink your teeth into.

http://www.fbi.gov/about-us/cjis/ucr/crime-in-the-u.s/2010/crime-in-the-u.s.-2010

Here is the FBI 2011 National Gang Threat Assessment

http://www.fbi.gov/stats-services/publications/2011-national-gang-threat-assessment

As many as 1 million gang members are believed responsible for as much as 80 percent of crime in America -- and the gangs are spreading across the country, according to a Justice Department gang threat assessment.

Approximately "1 million gang members belonging to more than 20,000 gangs were criminally active within all 50 states and the District of Columbia as of September 2008," the report says.


http://abcnews.go.com/TheLaw/FedCrimes/story?id=6773423&page=1
 

morningfog

(18,115 posts)
51. I'm still unclear how you separate out access to guns?
Wed Jun 13, 2012, 10:31 PM
Jun 2012

The Gang Threat Assessment link is a great read. Motorcycle and prison gangs. Very interesting stuff.

The report cited in the ABC article states "gang members are believed responsible for as much as 80 percent of crime in America." That does not break down the murder rates with firearms. If I missed the stat, please show me. I am looking for what you claimed we all know, "who is killing who."

 

morningfog

(18,115 posts)
58. If you have some data, excerpt it and link it.
Wed Jun 13, 2012, 10:40 PM
Jun 2012

Table 3 does not support the still unanswered question.

 

Spoonman

(1,761 posts)
76. So having liability insurance constitutes premeditation?
Thu Jun 14, 2012, 10:28 AM
Jun 2012

WOW!
The "logic" around here really amazes me sometimes.

 

badtoworse

(5,957 posts)
10. How is this different than other types of liability insurance?
Wed Jun 13, 2012, 12:24 PM
Jun 2012

What about cases of legitimate self-defense? Why should you not be able to insure against the potential legal costs associated with that?

To have it otherwise would put you in the position of having to choose between risking your life or risking your financial well being.

 

rhett o rick

(55,981 posts)
14. This could back-fire [pun intended]
Wed Jun 13, 2012, 12:47 PM
Jun 2012

We all know the reluctance of insurance companies to pay off. So if you try to collect, you are apt to be met with questions regarding proof the death you cause was really "self-defense". I can see it all now. The law says you are justified to kill while your insurance takes you to court to prove otherwise. LOL.

SoutherDem

(2,307 posts)
34. Guess I should have added a sarcasm smile
Wed Jun 13, 2012, 06:42 PM
Jun 2012

But, isn't the point to pay the legal cost to get these people off?

hack89

(39,171 posts)
35. Even if innocent, a civil suit can bankrupt anyone.
Wed Jun 13, 2012, 06:48 PM
Jun 2012

it may be a slam dunk as far as one's innocence and still be expensive as hell.

 

Spoonman

(1,761 posts)
79. Not true
Thu Jun 14, 2012, 10:43 AM
Jun 2012

Numerous states actually provide civil immunity, and if attempted, many award the costs of defense as compensable by the plaintiff!

Florida
776.032?Immunity from criminal prosecution and civil action for justifiable use of force.—

(1)?A person who uses force as permitted in s. 776.012, s. 776.013, or s. 776.031 is justified in using such force and is immune from criminal prosecution and civil action for the use of such force, unless the person against whom force was used is a law enforcement officer, as defined in s. 943.10(14), who was acting in the performance of his or her official duties and the officer identified himself or herself in accordance with any applicable law or the person using force knew or reasonably should have known that the person was a law enforcement officer. As used in this subsection, the term “criminal prosecution” includes arresting, detaining in custody, and charging or prosecuting the defendant.

(3)?The court shall award reasonable attorney’s fees, court costs, compensation for loss of income, and all expenses incurred by the defendant in defense of any civil action brought by a plaintiff if the court finds that the defendant is immune from prosecution as provided in subsection (1).

North Carolina

(e) A person who uses force as permitted by this section is justified in using such force and is immune from civil or criminal liability for the use of such force,

Texas, Oklahoma, Virginia, and Idaho just to name a few.

sarisataka

(18,774 posts)
19. A "scoop"?
Wed Jun 13, 2012, 01:16 PM
Jun 2012

Like "scooping" the moon is not made of cheese.

-this insurance has been available for years. I do not know when it was first offered but have been aware of it for more than three years
- it only reimburses the policy holder after aquital
- despite the snide implication, it is available to any NRA member, regardless of "skin conditions"
- its main purpose was/is to prevent the bankrupting of an innocent person who by bring forced to protect them self is first dragged through the criminal system and found to be justified, the family gets a 'second whack' in the civil court.


This is also not the only such insurance out there and most rights proponents advise against the NRA insurance as the policy holder must pay for their legal defense first. Most other policies act like other liability policies (home, auto...) and cover your legal fees up front.

EOTE

(13,409 posts)
22. The "snide implication" is that blacks are most likely to be victimized by people with this
Wed Jun 13, 2012, 01:48 PM
Jun 2012

insurance. Not that they're ineligible for coverage with this insurance. This insurance will surely embolden plenty of George Zimmermans out there. I'm sure their thinking will be: Hey, why even have insurance if you're not going to use it? After all, the George Zimmermans of this world really need more legal protections, don't they?

sarisataka

(18,774 posts)
23. So do you use your car insurance
Wed Jun 13, 2012, 02:15 PM
Jun 2012

to go out and run into other cars? Why have it if not use it? Once you have your tabs, just cancel until you need to renew the registration...

If Z. had this insurance, he would be facing exactly what he is facing now. A trial for murder on his own dime. If he is exonerated, why shouldn't he be reimbursed? He would have been found justified by a jury of his peers.

I know that wouldn't sit well with those who convict after reading a headline, but if the jury says Not Guilty, then you are not guilty in the eyes of the law.

EOTE

(13,409 posts)
25. Who purchases insurance to KILL SOMEONE.
Wed Jun 13, 2012, 04:49 PM
Jun 2012

I know that there's a very, very slight chance of me ever needing to kill someone in my lifetime. I also know that if that incredible unlikelihood ever occurs, it will be pretty damned obvious that I killed to either protect my own life or protect the lives of others. I also know that if that incredible unlikelihood does occur and I'm sued by some belligerent asshole, I have the ability to counter sue for court costs. The only type of person I could ever imagine purchasing something like this is someone who's itching to kill someone and wants to make it more likely to not disrupt their lives. Who the hell purchases insurance for something you're so incredibly unlikely to experience? It's like someone in Ohio purchasing volcano insurance. It's just dumb. If you're purchasing this insurance, you're thinking it's at least SOMEWHAT likely that you're going to kill someone. Who the fuck thinks that way?

 

bongbong

(5,436 posts)
27. Answer for you
Wed Jun 13, 2012, 05:04 PM
Jun 2012

> If you're purchasing this insurance, you're thinking it's at least SOMEWHAT likely that you're going to kill someone. Who the fuck thinks that way?

Gun-religionists.

hack89

(39,171 posts)
31. Why?
Wed Jun 13, 2012, 05:40 PM
Jun 2012

you live in a country that will sue at the drop of a hat. Being completely innocent of a crime will not prevent gun owners from being dragged into court if someone sees an opportunity to make a buck.

EOTE

(13,409 posts)
32. Read my post 25.
Wed Jun 13, 2012, 05:50 PM
Jun 2012

Because the chances of someone being brought into court for killing someone are miniscule unless you actually intend to kill someone. And we already have a legal system to take care of issues where someone is sued unnecessarily. The only people I can reasonably see purchasing such insurance are people who think there's a good chance that they'll kill someone. That's sick.

hack89

(39,171 posts)
33. Not making much sense there
Wed Jun 13, 2012, 05:58 PM
Jun 2012

how does a poor gun owner afford the legal talent required to survive in that legal system you are so proud of? What would you rather have - an overworked, underpayed public defender or a competent lawyer?

And what about civil cases? There are no publicly provided lawyers for those. And a civil suit is much more likely, don't you think? Hence my comment about suing at the drop of the hat. A frivolous civil suit can still bankrupt you.

EOTE

(13,409 posts)
65. If you are poor, you're provided counsel.
Thu Jun 14, 2012, 09:44 AM
Jun 2012

If it's a civil case, and you're found guilty, you can counter sue for court costs. As many have noted before, it wouldn't matter because they have to pay for their own defense initially anyway. It's only if they're found innocent that their defense gets paid. So this insurance sure as hell isn't going to do anything to help those poor people.

EOTE

(13,409 posts)
70. I've said it numerous times in this very thread.
Thu Jun 14, 2012, 10:06 AM
Jun 2012

It's ONLY going to be used by people who already think that there's a decent chance they are going to kill someone. If you think that way, you're fucked in the head. And this insurance is only going to embolden people to commit murder.

EOTE

(13,409 posts)
75. What other reason would there be?
Thu Jun 14, 2012, 10:27 AM
Jun 2012

Do people purchase insurance for things that there's an extremely minute chance of them experiencing? Do people in Kansas buy flood insurance? Do people in Montreal buy tsunami insurance? My only agenda here is pointing out how ridiculously stupid something like this is. I can no doubt see how this appeals to the NRA crowd.

hack89

(39,171 posts)
77. Have you considered that they are the victims of slick marketing?
Thu Jun 14, 2012, 10:34 AM
Jun 2012

what I object to is your dismal view of your fellow man such that their only motivation is to kill people. It just fits into that common anti-gun meme that all gun owners are unstable and dangerous. It is black and white thinking at its worse.

EOTE

(13,409 posts)
78. OK, either they want to kill someone OR they're idiots who'll fall for anything.
Thu Jun 14, 2012, 10:40 AM
Jun 2012

Either way, it speaks very poorly on both the people who'd buy this insurance and those who'd sell it. Surely not all gun owners are unstable and dangerous, but the great bulk of the people who'd buy this insurance surely would be. Either that or incredibly stupid. And I tend to think that the incredibly stupid gun owners are also incredibly dangerous gun owners.

 

SGMRTDARMY

(599 posts)
80. As a matter of fact
Thu Jun 14, 2012, 10:44 AM
Jun 2012

I have to have flood ins. where I live even though the last flood was over a 150 years ago. Your ridiculous ascertation that those of us who wish to carry that ins. because we believe we may have to murder some one is so asnine in so many ways. I carry that kind of liability ins. on my house policy, not because I believe I am going to one day "murder" someone, its because in the unlikely event I do have to defend myself, whether at home or out in public, I don't want to be bankrupted.

Murder my ass, if you have to shoot some one in self defense and they die and it is determined to be a legitimate shooting, it's called justifiable homocide, not murder.

EOTE

(13,409 posts)
82. The great, great, great majority of people never need to kill someone.
Thu Jun 14, 2012, 10:55 AM
Jun 2012

The NRA idiots who purchase this insurance obviously think that it's at least somewhat likely to happen. And your comparison about you having to buy flood insurance doesn't really mean anything, no one is being forced to buy this. If you're involved in a clear case of self defense, most likely there will be no trial. If there IS a trial and the one is subject to malicious prosecution, one is entitled to sue for court costs. This insurance is good for nothing and will only increase the culture of fear in this country and I'm damned sure will embolden murderers.

 

SGMRTDARMY

(599 posts)
83. This ins. has been around for years
Thu Jun 14, 2012, 11:07 AM
Jun 2012

can you provide links showing it has embolded murderers? Or is this your gut feeling?
I've had this type of ins. for years, I've had a CHL for years, I have lots of friends who carry this ins. and have a CHL and none of us have been embolded to commit murder, but if you have proof of your claim, by all means, I would be interested in seeing it.

EOTE

(13,409 posts)
84. Yes, that's my gut feeling.
Thu Jun 14, 2012, 11:12 AM
Jun 2012

And I know of no studies that have been done on people who have this type of insurance, so I can't help you there. But common sense tells me that the people who have this insurance are far more likely than the general population to kill someone. And considering how extremely likely it is for ANY person to ever kill another, it's simple common sense that the people buying this insurance are far more likely to be looking for trouble than people who do not. And you're muddying the issue by bringing up CHLs. I said nothing against firearm ownership at all, but this NRA provided insurance is scary bullshit. All of my issues stand.

 

SGMRTDARMY

(599 posts)
85. I'm not trying to be argumentive
Thu Jun 14, 2012, 11:21 AM
Jun 2012

and I respect your opinion, but like I said, this ins. and this type of ins. has been available for years and if what you say were true, there would be statistics out showing a link between the those with this type of ins. and murder.
I didn't say anything about your stand on firearm ownership and if I came across that way, I apologize. The NRA has offered this ins. for quite a while as have other ins. companies, mine is as a, I believed its called a rider, have to drag out the policy and look at it, to my home ins.
The reason I brought up CHL's is because those of us who do have a CHL tend to have this type of ins..

EOTE

(13,409 posts)
86. Why would there be statistics?
Thu Jun 14, 2012, 11:25 AM
Jun 2012

You're assuming that they've actually done studies on the people who've bought this insurance. I'd imagine it would only be when a fairly large number of people have themselves covered that they'd even bother to do such a study, I have no idea how large that number currently is. If you have any information backing up your assertion that those who have CHLs tend to have this kind of insurance, I'd love to see it.

 

SGMRTDARMY

(599 posts)
88. I can name 2 org. that would be jumping
Thu Jun 14, 2012, 11:37 AM
Jun 2012

all over it if it where true, The Violence Policy Center, And the Brady Campaign to Prevent Handgun Violence. They would have been screaming it from the mountain tops if there was any correlation between those of us who carry this ins. and murder. I flat guarantee it. I rate these 2 org. with the NRA, both full of themselves and full of shit. They all use scare tactics.
As for the statistics you ask for, like you, no, the only thing I have is my own experience with other CHL holders, which is not definitive proof I concede.

Its a real pleasure having a civil conversation with you without all the innuendos and name calling that others at this site do, and that I have been on occasion, guilty myself.
Thanks

EOTE

(13,409 posts)
90. Once again, only IF the studies had been done.
Thu Jun 14, 2012, 11:44 AM
Jun 2012

And there's no reason to believe those studies HAVE been done. If you're so convinced that those studies exist, they should be relatively simple to find. I've searched the internet and I've been unable to find anything.

Likewise, with regard to the civility. I, too, find myself hot-headed on occasion. More than I'd like to admit to.

 

SGMRTDARMY

(599 posts)
91. I'm sorry if I didn't say this clearly
Thu Jun 14, 2012, 11:50 AM
Jun 2012

I know of no studies, but if studies had been done, I flat guarantee that those 2 aformentioned gun control org. would be screaming it from the mountain tops.
I looked also and was not able to find anything. It would be interesting to see a study done and see the results. A study done by a company with no bias for or against firearms.
Who knows, maybe someday.

sarisataka

(18,774 posts)
39. No one
Wed Jun 13, 2012, 08:39 PM
Jun 2012
I know that there's a very, very slight chance of me ever needing to kill someone in my lifetime.

correct

I know that there's a very, very slight chance of me ever needing to kill someone in my lifetime.

It will be obvious to you. To a jury of twelve, the prosecution may paint a picture you do not recognize.

I also know that if that incredible unlikelihood does occur and I'm sued by some belligerent asshole, I have the ability to counter sue for court costs.

Do you have the resources to cover your criminal defense costs, say $50,000-$100,000, a civil case for an equal or greater amount and if you win both enough left over to counter sue? Assuming the person even has any liquid assets and didn't hire a lawyer on a win-contingent basis?
I know I don't


It makes sense that if you carry on a daily basis or even have a gun for home defense to insure yourself against such a possibility.

It is not planning to kill a person some day, but acknowledging that despite all reasonable precautions, someday you may have to use deadly force.

EOTE

(13,409 posts)
66. It doesn't matter if you have the resources or not.
Thu Jun 14, 2012, 09:45 AM
Jun 2012

Because you have to pay for your defense either way. And once again, this boils down to thinking that it's even slightly likely that you're going to have to murder someone in your life. Normal people don't think like that. People who think they're going to murder someone do.

sarisataka

(18,774 posts)
93. What the insurance does
Thu Jun 14, 2012, 12:24 PM
Jun 2012

is reimburse your cost upon acquittal. You are not out, or can repay the second mortgage you had to take to cover the cost of defending yourself.


You keep saying murder, that is not the only reason one person kills another. For those who choose to carry or keep a gun to defend their home, they have given consideration to the possibility of having to shoot in self-defense. Yes, the odds are very small that it may occur but is still greater than the chance of being hit by lightening. Once accepting that, however remote, it is a possibility, the next step is to consider the aftermath. Too many do not take this step. If you shoot someone you should expect to go to court. It does not matter if your state has SYG, DTR, castle doctrine or Scooby Doo and meddling kids law- expect to go to court to have to explain your actions.

Acknowledging that if you are extremely unlucky and do someday shoot someone, and you have to go to court, you may wish to prepare for the expense of a trial. Some people will have an attorney on retainer, some will buy the insurance, some will hope they never face the situation.

People who think they are going to murder someone won't do any of this thought because they don't care and believe they will just get away with the crime.

EOTE

(13,409 posts)
94. And once again, one has the ability to counter sue if acquitted.
Thu Jun 14, 2012, 01:02 PM
Jun 2012

And if one has the ability to mount a successful defense, one can most likely afford to counter sue. They're even more likely to be able to counter sue (in the extremely unlikely event they find themselves in that situation) if they had saved that money that otherwise would have gone to murder insurance. And you're way off base when you say:

"Acknowledging that if you are extremely unlucky and do someday shoot someone, and you have to go to court, you may wish to prepare for the expense of a trial. Some people will have an attorney on retainer, some will buy the insurance, some will hope they never face the situation."

Because this does nothing to prepare anyone for the expense of a trial. It only reimburses one AFTER the trial. If they don't have money for the trial in the first place, it does nothing for them.

sarisataka

(18,774 posts)
95. We each have our opinions on this
Thu Jun 14, 2012, 01:29 PM
Jun 2012

I will just leave it as summing my opinion that having such insurance is not evidence of premeditation to murder.

 

cherokeeprogressive

(24,853 posts)
50. I'm willing to bet that any policy issued has EXCLUSIONS...
Wed Jun 13, 2012, 10:28 PM
Jun 2012

and that the first one is if and when you are convicted of committing a crime with your gun, the policy is rendered null and void. That's how most other insurance works. For instance; if I get in an accident and am found to be guilty of drunk driving, my insurance policy is no longer in effect retroactive back to the instant the accident occurred.

I sure wouldn't want that to stop anyone from posting racist cartoons though...

EOTE

(13,409 posts)
67. Ummm, just how is this cartoon racist?
Thu Jun 14, 2012, 09:48 AM
Jun 2012

It is anything BUT racist. It shows how this type of culture and this kind of ridiculous fear mongering gets minorities killed. Do you know that stand your ground cases are far more likely to result in the killer getting off scott free when the victim is a black person? THAT is racist. Talking about how minorities are hurt by this kind of bullshit is about as far from racism as you can get.

 

lookingfortruth

(263 posts)
64. The NRA is such a danger to this country it should be disbanded. I personally don't like guns BUT
Thu Jun 14, 2012, 01:33 AM
Jun 2012

I do know those who shoot for hunting and as sport and are responsible reasonable gun owners who don't fall into lock step with the NRA IN FACT they hate the NRA.



Also those who do have guns. A cousin recently bought a gun and next thing he knows he's getting flayers asking him to join NRA and even a call. Do gun shops have some sort of deal with NRA to sell the names of those who buy guns to NRA or is it just this shop?

My friend went back to ask the owner and the owner had no shame about telling him he sells his customers names to the NRA said he is a proud member.

Response to kpete (Original post)

 

4th law of robotics

(6,801 posts)
87. Probably a bad idea (assuming this isn't satire)
Thu Jun 14, 2012, 11:34 AM
Jun 2012

As getting the insurance in advance, if you ever need to use it, shows intent.

 

SGMRTDARMY

(599 posts)
89. Not really
Thu Jun 14, 2012, 11:40 AM
Jun 2012

I've had this type of ins. for years as a rider to my home ins. Now if you go out and get it and then the next day go out and shoot someone, then, yeah, that could be a definite problem for you.

 

LanternWaste

(37,748 posts)
92. Great cartoon... made me giggle.
Thu Jun 14, 2012, 11:51 AM
Jun 2012

Great cartoon... made me giggle (as does the righteous indignation in response)

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