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Posts Tagged insurance
How To Insure Your Firearms
From Guns.com:
Many people assume guns are covered through the personal property clause on their homeowner’s or renter’s policy. You may indeed have some coverage there, but specialty items like guns, jewelry, and collectibles are severely limited. For example, my homeowner’s policy covers only up to $2,500 for loss by theft of firearms. I don’t know about you, but that’s not nearly enough to cover my entire collection.
Depending on the carrier, you can add a rider to your homeowner’s policy, but the coverage remains limited and comes with many exclusions. It is best to purchase a separate policy specifically intended to cover firearms.
Car Makers Spying On You And Selling Your Data
From Electronic Frontier Foundation:
In a recent New York Times article, Kashmir Hill reported how everyday moments in your car like these create a data footprint of your driving habits and routine that is, in some cases, being sold to insurance companies. Collection often happens through so-called “safe driving” programs pre-installed in your vehicle through an internet-connected service on your car or a connected car app. Real-time location tracking often starts when you download an app on your phone or tap “agree” on the dash screen before you drive your car away from the dealership lot.
CA To Require Gun Question From Insurers
From The Truth About Guns:
The bill, AB 3067 by Democrat assemblyman Mike Gipson specifies: “In addition to existing regulations, an application for homeowners’ or renters’ insurance shall include questions regarding all of the following: (1) Whether there are firearms kept in the household, including in any accessory structures, and if so, how many. (2) Whether the firearm, if any, is stored in a locked container in the home, including any accessory structures, while not in use. (3) The number of firearms kept in a vehicle located on the property subject to the applicable insurance policy, and if any, whether they are stored securely in a locked container while not in use.”
Gun Ownership As Insurance Against Threats
From The Federalist:
If you have a 1-in-50 baseline chance of being violently victimized each year, wouldn’t it be rational to take prudent measures to protect yourself? I think so.
That is exactly why millions of ordinary Americans own guns. Firearms are extremely effective in preventing injury and do not require a great deal of effort to use and keep around. Guns are a perfectly reasonable, cost-effective, safe, and convenient form of risk mitigation.
Owning a gun is like keeping a spare tire in your trunk, a first aid kit at home, or an emergency savings account. We hope never to use them, but we’re glad we have them. None of this indicates paranoia. Carrying a gun is similar to carrying insurance, except it’s better: You actually get to collect the benefits without having to incur serious harm.
Washington Attacks Carry Guard Insurance
From The Spokesman-Review:
Insurance coverage backed by the National Rifle Association that would assist gun owners who later claimed self-defense in a shooting may no longer be sold in Washington state, regulators announced Tuesday.
Dubbed “murder insurance†by some gun control advocacy groups nationally, the policies became available in April 2017 through a website jointly run by the gun rights organization and insurance underwriting firms based in Kansas and Pennsylvania. Washington State Insurance Commissioner Mike Kriedler said in a news release Tuesday he would seek $177,000 in fines from the two companies and declared the plans in violation of state law.
Carry Guard Insurance Fined In New York
Posted by Brian in Law, News, Threat Watch on 8/May/2018 15:16
This is an interesting development because many gun controllers have floated the idea of required insurance as a way to make gun ownership more expensive.
From Guns.com:
New York regulators found that the self-defense insurance program offered by the National Rifle Association unlawfully provided liability insurance in the state, according to Monday’s announcement.
NRA Is Now Selling Insurance For Self Defense
From Politico:
…last month the NRA announced a new insurance product, Carry Guard, which they marketed to their millions of members online and at their annual meeting in Atlanta. The idea of firearms liability insurance has been previously championed by gun safety advocates on the left, who envisioned insurance as an instrument of public safety that could encourage safer guns and safer behavior. As implemented by the NRA, though, firearms liability insurance has a different function—to insulate gun owners from the expense and other possible consequences of a shooting.
Powell explains that Carry Guard was created to accommodate the needs of a changing culture in the U.S., where more people carry concealed weapons. “There’s just been this incredible carry revolution that’s taken place over the past eight years, and you know, the NRA started it. We started this in Florida 35 or 36 years ago, passing the first concealed carry bill. And so this is really a response to that movement and our members saying ‘Hey, we need you guys to be the gold standard for training, liability insurance— everything concealed carry.’â€
NRA Carry Guard: Self Defense Insurance
About Carry Guard:
An armed encounter is likely to be the most stressful moment of someone’s life. We can do our best to avoid trouble, but bad things sometimes happen to good people. That’s why right behind your firearm, your second most important protection is a rock-solid carry policy.
NRA Carry Guard is a two-pronged program. It was created to provide insurance coverage to those who legally defend themselves with a firearm, and to offer an elite, one-stop training option. The insurance provides a comprehensive set of benefits and protection that will help spare gun owners from costly financial and legal consequences, even if they did everything right. The training was developed by an expert team of military and law enforcement veterans and focuses on the unique legal, mental and physical circumstances you must be prepared to face after pulling the trigger.
Bill To Require Businesses To Pay Damages If Shooting Occurs
From Milwaukee-Journal Sentinel:
A state lawmaker wants businesses that ban guns to be held strictly liable for any gun-related injury that might occur in their premises — and to pay triple damages.
The Disarmed Citizen Compensation Act “will give the citizens of Wisconsin a better chance of defending themselves and their loved ones against this scourge of terrorist activity,” Gannon said in a news release.