TexasCHLforum.com

RottenApple wrote:

mojo84 wrote:Have you used it yet? That is the litmus test.

Better to have it and not need it than to need it and not have it. IMHO, of course.

I agree if it works as advertised. I have no idea if it does or not as I haven't had the opportunity to talk to anyone that's used it yet.

misterlarry wrote:

Blue Demon wrote:We signed up with [Pre-paid legal service] the day we took our CHL class.

I did as well. Best money spent and cheapest insurance that I have.

Have you used it yet? That is the litmus test.

WildBill wrote:

mojo84 wrote:I strongly encourage those of you relying on your homeowner's policy or umbrella to respond an "intentional act" of shooting someone to look at your policy very closely. I recommend you have it documented in writing if your agent is telling you you are covered for such.

I agree with reading the policy very closely. IMO no responsible agent is going to sign any such statement. Even if they did it is the insurance policy that is the legal document that defines the coverage. IANAL

You are right. However, a responsible agent wouldn't be telling someone it's covered if the policy doesn't explicitly say it is. Or, if an agent is telling someone something that is contrary to what the policy says, they need to be challenged. That is a way to challenge them.

I can tell you, I wouldn't. But I wouldn't be making the stratement that shooting someone is covered.

I strongly encourage those of you relying on your homeowner's policy or umbrella to respond an "intentional act" of shooting someone to look at your policy very closely. I recommend you have it documented in writing if your agent is telling you you are covered for such.

Criminal or civil defense? I would ask your state farm agent to show you some official state farm documentation or letter staying they would provide coverage for such a claim. Ask them to specifically state the intentional act of shooting someone would not be cause for them to deny the claim.

Regardless, paying the small amount for the additional limit is a good value proposition.