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<blockquote data-quote="Rod Snell" data-source="post: 2815688" data-attributes="member: 796">I have an umbrella policy from State Farm that does not cover deliberate acts: read the fine print to see if yours does (most don&#039;t).Shooting someone in self defense is an example of a deliberate act.&nbsp; The law does not reimburse you for legal expenses.&nbsp; You can easily spend many tens of thousands out of pocket even if acquitted.My umbrella policy does not cover professional liability, such as nurses, teachers, etc.&nbsp; My NRA policy covers third-party accidents in gun classes. (Third&nbsp; party accidents is where one student injures another and the instructor gets sued.)It annoys me no end that the major insurance companies don&#039;t cover many things that can cause me expenses through no fault of my own, but when it comes to guns, they don&#039;t.&nbsp; So I buy the special policy for another $175 a year.&nbsp; As to the clubs that pick a lawyer for you, no thanks, I want a qualified one in Oklahoma.</blockquote>

[QUOTE="Rod Snell, post: 2815688, member: 796"] I have an umbrella policy from State Farm that does not cover deliberate acts: read the fine print to see if yours does (most don't). Shooting someone in self defense is an example of a deliberate act. The law does not reimburse you for legal expenses. You can easily spend many tens of thousands out of pocket even if acquitted. My umbrella policy does not cover professional liability, such as nurses, teachers, etc. My NRA policy covers third-party accidents in gun classes. (Third party accidents is where one student injures another and the instructor gets sued.) It annoys me no end that the major insurance companies don't cover many things that can cause me expenses through no fault of my own, but when it comes to guns, they don't. So I buy the special policy for another $175 a year. As to the clubs that pick a lawyer for you, no thanks, I want a qualified one in Oklahoma. [/QUOTE]

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