Self Defense & Insurance Question
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Thread: Self Defense & Insurance Question

  1. #1

    Self Defense & Insurance Question

    Thinking about the potential for repercussions of a self-defense shooting... if one were to happen in my home, is my home insurance carrier going to drop me? What about if it's in my car (SC castle doctrine includes an occupied vehicle).

    This thought came about after reading about the pizza hut guy that shot the robber and he lost his job. My work also has a "no guns on premises" policy. It's not against the law to keep it in my vehicle, but I could be fired for it (SC is a right to work state, as well). Then I logically went to insurance companies that drop people because 3 natural disasters strike your house within a 20 yr span (actually happened to my neighbor). I bet they certainly drop you if you have a SD shooting. Any experience with this?
    SC CWP
    NH non-res CWP
    NRA Member

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  3. #2
    Join Date
    Sep 2007
    Location
    Gray Court, SC
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    I'd say probably not. If it did happen in your home it wouldn't be much of a claim to replace the carpet and fix any holes in the wall. Under the Castle doctrine as long as it was self defense then there is no civil liability. The best answer to your question would be to call your insurance company and ask them what their policy is on self defense in your own home.
    USAF Retired, CATM, SC CWP, NH NR CWP, NRA Benefactor
    To preserve liberty, it is essential that the whole body of people always possess arms, and be taught alike, especially when young, how to use them... -- Richard Henry Lee, 1787

  4. #3
    Quote Originally Posted by Red Hat View Post
    The best answer to your question would be to call your insurance company and ask them what their policy is on self defense in your own home.
    And if they have a problem with it, I'd say look for a company that supports your rights to give your money to.

  5. #4
    Insurance companies cover negligence and accidents, not self-defense (a deliberate act).

    If the BG relatives can prove you were negligent in the shooting, they will sue and your insurance company will probably settle out of court and then drop you like a rock.

    Good news is - You are Alive!

  6. #5
    Join Date
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    Grand Strand / South Carolina
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    Don't file a claim...just sue bad guys mama for raising a moron and have her replace your carpet. If somebody is in my home...where my children sleep...I'll not only deal with loosing my insurance but I'd even take a bullet to make sure he died on the carpet and didn't get near my kids.
    SC CWP
    Kimber Ultra II
    Taurus PT1911 ALR

  7. #6
    I guess living through the situation,is better then worrying about Ins.
    If you live to fight another day,how much is that worth to you??

    Me,I don't give a Rats A_ s ,about the aftermath,as long as I win,live,and I'm righteous.
    But that's just me.
    Last edited by spf159753; 06-01-2009 at 03:59 AM. Reason: spelling

  8. #7
    Agree, there would be no claim on my part to fix the wall or carpet or window. And yes, as long as the intruder is removed or incapacitated and my family is safe, all else will be fine. Just a curious question. Thanks for the input.
    SC CWP
    NH non-res CWP
    NRA Member

  9. #8
    Join Date
    May 2009
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    Quote Originally Posted by GeneralSumter View Post
    Agree, there would be no claim on my part to fix the wall or carpet or window. And yes, as long as the intruder is removed or incapacitated and my family is safe, all else will be fine. Just a curious question. Thanks for the input.
    That was an excellent question General! I never would have thought of that. Except I wouldn't want the intruder incapacitated.....just dead is all. I've been carrying here in Texas since concealed carry went into effect and I'm proud to say that not once have I even come close to drawing my weapon, although I do know for sure that if it came down to it(God forbid), I would not hesitate.

    Like martial arts, a CHL to me is a lifelong commitment to avoidance, deterance, and de-escalation. As much as it would sadden me to be forced to take another persons life..... It is FAR better to be sad than at room temperature.

    BTW, I'm an XD carrier too.
    An ARMED individual is a CITIZEN! ...An UNARMED individual is a SUBJECT!

  10. #9
    Join Date
    Dec 2008
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    Sorry to highjack the thread, but I've been thinking about something for a while that American ME just said. The CWP is a commitment to avoidance, deterance, and de-escalation. I feel less need to loose my temper now and find it easier to walk away from situations that rile me, but aren't actually life threatening. And I don't know whether its the fact that I can step away knowing in my mind "I would have won that fight" since I'm carrying or if its due to the responsibility I feel not to contribute to any escelation that could possible lead to a firearm being drawn. In other words....I think my CWP makes me a less confrintrational person.
    SC CWP
    Kimber Ultra II
    Taurus PT1911 ALR

  11. #10
    Join Date
    Apr 2009
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    Quote Originally Posted by Aggressive1 View Post
    Sorry to highjack the thread, but I've been thinking about something for a while that American ME just said. The CWP is a commitment to avoidance, deterance, and de-escalation. I feel less need to loose my temper now and find it easier to walk away from situations that rile me, but aren't actually life threatening. And I don't know whether its the fact that I can step away knowing in my mind "I would have won that fight" since I'm carrying or if its due to the responsibility I feel not to contribute to any escelation that could possible lead to a firearm being drawn. In other words....I think my CWP makes me a less confrintrational person.
    I agree 100%. I just don't feel the need to be confrontational anymore.

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