Downtownv 1,764 Posted July 18, 2022 USAA can NOT write liabilty in NJ or NY or WA state. However, they told me this: If you are looking for self-defense liability insurance you can always look at US Law Shield and/or CCW Safe as both may be options for New Jersey! I have had an account with them since 2011 I have access to everything BUT the liability insurance. BE AWARE! 1 Quote Share this post Link to post Share on other sites
Downtownv 1,764 Posted July 18, 2022 You may find this interesting as well: https://www.usconcealedcarry.com/resources/ccw_reciprocity_map/nj-gun-laws/ Quote Share this post Link to post Share on other sites
CMJeepster 2,766 Posted July 19, 2022 I'll have to read my umbrella policy and possibly get something else. 1 Quote Share this post Link to post Share on other sites
BigKahuna 2 Posted July 19, 2022 Insurance is the only thing holding me up from applying. I would hope to NEVER need to use my carry firearm but we all know what that will open up if we DID need to use it. 2 Quote Share this post Link to post Share on other sites
RadioGunner 218 Posted July 26, 2022 From what I was told, CCW insurance is not legal in NJ. Therefore, US law shield is not insurance. Quote Share this post Link to post Share on other sites
Beretta92x 4 Posted July 27, 2022 1 hour ago, RadioGunner said: From what I was told, CCW insurance is not legal in NJ. Therefore, US law shield is not insurance. I wonder if this is even legal. It makes it so you have no way to defend yourself from a defensive shooting. This is as important as the mag or assault weapon law suites imo. Quote Share this post Link to post Share on other sites
Beretta92x 4 Posted July 27, 2022 On 7/19/2022 at 3:28 PM, BigKahuna said: Insurance is the only thing holding me up from applying. I would hope to NEVER need to use my carry firearm but we all know what that will open up if we DID need to use it. I wouldnt carry without insurance personally. You could be plainly in the right and you still will have to pay an insane amount of money to defend yourself. The first defensive shooting we have from someone with a ccw will have the book thrown at them. 1 Quote Share this post Link to post Share on other sites
RadioGunner 218 Posted July 27, 2022 27 minutes ago, Beretta92x said: I wonder if this is even legal. It makes it so you have no way to defend yourself from a defensive shooting. This is as important as the mag or assault weapon law suites imo. It's supposedly a lawyer referral service. Pre-paid legal. I've had something similar but for non criminal stuff. Quote Share this post Link to post Share on other sites
MrAceJD 21 Posted July 28, 2022 It's kind of funny, CCW's website will promote services in NJ until you get to the end, where is says NJ excluded. I guess the website just drops in the name of the state based on location but when you go to enroll, it says no options available. Why would the state legally prohibit liability insurance? Quote Share this post Link to post Share on other sites
CMJeepster 2,766 Posted July 28, 2022 9 hours ago, MrAceJD said: Why would the state legally prohibit liability insurance? Because guns are bad. Quote Share this post Link to post Share on other sites
BigKahuna 2 Posted July 28, 2022 10 hours ago, MrAceJD said: It's kind of funny, CCW's website will promote services in NJ until you get to the end, where is says NJ excluded. I guess the website just drops in the name of the state based on location but when you go to enroll, it says no options available. Why would the state legally prohibit liability insurance? Bucky did it to make it as COSTLY as possible if a law-abiding citizen was involved in a shooting. https://www.lawenforcementtoday.com/dangerous-and-unconstitutional-nj-governor-bans-sale-of-insurance-to-gun-owners/ Quote Share this post Link to post Share on other sites
Beretta92x 4 Posted July 28, 2022 1 hour ago, BigKahuna said: Bucky did it to make it as COSTLY as possible if a law-abiding citizen was involved in a shooting. https://www.lawenforcementtoday.com/dangerous-and-unconstitutional-nj-governor-bans-sale-of-insurance-to-gun-owners/ Was this ever challenged in court? Quote Share this post Link to post Share on other sites
BigKahuna 2 Posted July 28, 2022 Gov. Teefus signed it as an Executive Order 3 years ago overpassing the State Legislature. Quote Share this post Link to post Share on other sites
galapoola 102 Posted July 28, 2022 I thought there was chatter amongst the legislator and the gov about mandating insurance? BTW, the story above references an executive order so it's one of those squishy things that is not in the statutes but state agencies end up following. I've been looking around to see if ANJRPC or others have anything to say about insurance. Quote Share this post Link to post Share on other sites
Grima Squeakersen 473 Posted July 28, 2022 ***DELETED*** 1 1 Quote Share this post Link to post Share on other sites
galapoola 102 Posted July 28, 2022 4 minutes ago, samiam said: They deliberately make laws and rules that strongly resemble fun-house mirrors That's classic Quote Share this post Link to post Share on other sites
Beretta92x 4 Posted July 29, 2022 11 hours ago, galapoola said: I thought there was chatter amongst the legislator and the gov about mandating insurance? BTW, the story above references an executive order so it's one of those squishy things that is not in the statutes but state agencies end up following. I've been looking around to see if ANJRPC or others have anything to say about insurance. I dont think they are talking about the same type of insurance. They are talking about liability insurance so that if you defend yourself the person who attacked you can have his family get a huge pay check. Quote Share this post Link to post Share on other sites
Old Glock guy 1,125 Posted July 29, 2022 On 7/26/2022 at 9:23 PM, Beretta92x said: I wouldnt carry without insurance personally. You could be plainly in the right and you still will have to pay an insane amount of money to defend yourself. The first defensive shooting we have from someone with a ccw will have the book thrown at them. Considering that you would not use deadly force unless you were faced with the prospect of death or serious bodily harm, what is your alternative? 21 hours ago, BigKahuna said: Bucky did it to make it as COSTLY as possible if a law-abiding citizen was involved in a shooting. https://www.lawenforcementtoday.com/dangerous-and-unconstitutional-nj-governor-bans-sale-of-insurance-to-gun-owners/ Considering that CCW insurance is legal in most states, and that it was banned here by executive order, not legislative action, it seems this would not stand up to legal scrutiny. Quote Share this post Link to post Share on other sites
Grima Squeakersen 473 Posted July 29, 2022 ***DELETED*** Quote Share this post Link to post Share on other sites
RadioGunner 218 Posted July 29, 2022 On 7/27/2022 at 8:39 PM, MrAceJD said: Why would the state legally prohibit liability insurance? To enact a backdoor ban. How it works: Legislature requires insurance to own/carry a gun. Administration prohibits sale of such insurance. It's just like justifiable need - you could have gotten get a carry permit, but nobody got one in practice. 1 Quote Share this post Link to post Share on other sites