CC insurance
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PJSprog
Member
Nope.
highlander 5
Member
A bill was proposed here in Ma at one point problem was no one offered such a policy and the likely hood was slim to none that any of the insurance companies would write said policy as there was no money to be made. If my memory serves me correctly shooting someone in self defense is a deliberate act so a liability policy for said act would be useless. Note IANAL.
Check out this thread and my posts in it.
http://www.thehighroad.org/showthread.php?t=787692
I've been eyeballing SD "insurance" for a while now, and have listened to numerous lawyers on podcasts over the last year or so covering different plans. I may very well sign up in the near future.
http://www.thehighroad.org/showthread.php?t=787692
I've been eyeballing SD "insurance" for a while now, and have listened to numerous lawyers on podcasts over the last year or so covering different plans. I may very well sign up in the near future.
UpTheHill
Member
https://www.usconcealedcarry.com/
they find you a gun friendly lawyer, pay bail if neccasay plus court costs.
they find you a gun friendly lawyer, pay bail if neccasay plus court costs.
If the OP reads the referenced earlier thread on the subject (and does his research)...well, let's just say I'm staying as far away from USCCA insurance as possible.
Some folks talk about riders on their homeowner's policy, etc. From the research I've done, the (apparently) reputable SD insurance outfits do so much more than I'd think any rider on a homeowner policy would.
FWIW, if I was to buy today my first two choices would probably be Armed Citizens Legal Defense Network (my longtime baseline), but Second Call Defense sounds pretty darn good.
I've been mulling over SD insurance for a while (need to get off my butt and get it done) - at the moment I'm undecided between the two mentioned above.
Texas Law Shield (and their expansion U.S. Law Shield) also sound promising.
From what I've seen / heard, there are more bad programs out there than good, so do your research!
Some folks talk about riders on their homeowner's policy, etc. From the research I've done, the (apparently) reputable SD insurance outfits do so much more than I'd think any rider on a homeowner policy would.
FWIW, if I was to buy today my first two choices would probably be Armed Citizens Legal Defense Network (my longtime baseline), but Second Call Defense sounds pretty darn good.
I've been mulling over SD insurance for a while (need to get off my butt and get it done) - at the moment I'm undecided between the two mentioned above.
Texas Law Shield (and their expansion U.S. Law Shield) also sound promising.
From what I've seen / heard, there are more bad programs out there than good, so do your research!
Deaf Smith
Member
Artofgolf
Member
I've had a legal service membership with CCW Safe for the past few years. After doing a review of the various programs, their offering seemed to be the better one for me.
They offer legal services for a use-of -force incident (CCW permit holders) that requires legal representation for criminal & civil cases. Discounts for retired military & LEO's.
They offer legal services for a use-of -force incident (CCW permit holders) that requires legal representation for criminal & civil cases. Discounts for retired military & LEO's.
From Second Call Defense's site:
I have an "umbrella" liability policy. Is that enough protection?
No. It is against the law for any insurance company to insure you against illegal actions you may commit. If you are charged with a crime, your umbrella policy will not protect you. An umbrella policy may provide coverage for civil liability, but since civil suits generally follow criminal suits, you are unlikely to be covered.
CodeSection
Member
- Joined
- Jul 2, 2011
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- 251
To the OP, there are many differences between prepaid legal plans AND insurance. Recognize either you have the funds to defend a criminal or civil legal proceeding, or you buy a prepaid legal or insurance.
Based upon my research, CCWSafe provides the legal services without having to deal will reimbursing me for those expenses. So, I am not out of pocket up front....great in protecting my cash flow. USCCA provides up to $1,000,000 in liability insurance plus legal services that they will reimburse you for.
For me, I have both CCWSafe and USCCA. They work together very well. So, now I have both types of protection.
As with anything, ignore general comments on the forums and read the fine print on all plans. You would be surprised how many people believe their plans are better than others and then learn after reading the fine print, they are not.
Good luck!
Based upon my research, CCWSafe provides the legal services without having to deal will reimbursing me for those expenses. So, I am not out of pocket up front....great in protecting my cash flow. USCCA provides up to $1,000,000 in liability insurance plus legal services that they will reimburse you for.
For me, I have both CCWSafe and USCCA. They work together very well. So, now I have both types of protection.
As with anything, ignore general comments on the forums and read the fine print on all plans. You would be surprised how many people believe their plans are better than others and then learn after reading the fine print, they are not.
Good luck!
gunnerh
Member
I have Texas Law Shield. My police officer grandson recommened the service to me. He has a LEO policy with them.
hamp sandwich
Member
My wife bought us some prepaid gun lawyer thing.. I don't remember anything about it, but if you're a sales person, stay the hell away from my wife..
Thank you all for your input on this. I am doing research, and asking for advice on this forum is a part of that research, so thanks again for your help and ideas. I am doing some reading on the various different companies, and their products. I will also make some phone calls eventually. After that, more reading. Then I will decide. Kinda interested in CCW at the moment, but we'll see.
Sebastian the Ibis
Member
When I have looked at these in the past, all they offer is (false) hope. Insurance companies do not pay - that is how they make money. Generally, you have to sue them to get them to pay, and if you need to make a claim for this insurance product you are probably not in a good position to be suing insurance companies.
If you think you have found a good one, do one of two things: (1) Buy it and enjoy the warm soothing feeling of smoke in your posterior, or (2) Demand that they send you the actual policy -- not testimonials, not glossy brochures, not a summary. Demand a copy of the actual contract that they are trying to sell you (which will somewhere revoke all the representations made in the glossy brochures). Once you have a copy of the policy, read it carefully and you will see that it excludes every possible situation in which they might have to actually pay you money. As but one example, I am sure every single policy allows the insurer to choose for you the cheapest/worst attorney that the insurance company can find, so that hopefully you fire their attorney and they can cut you off (this actually happens, I have dealt with them).
If anyone thinks they have a good policy (again a policy - not a brochure), please post it or send me a PM. I am willing to be convinced otherwise, but until I see a self-defense policy that helps the insured, I'll happily call them all hogwash.
Finally, if you are worried that you might need an attorney - find a CRIMINAL attorney ahead of time and have their number programmed into your phone (you need to make the call after 911, and before the police show up and separate you from your phone). If you are involved in a SD situation- you need an attorney immediately (minutes count). "Whatever you say, can be used against you in a court of law." This does not apply to your lawyer, so he or she can speak with the police on the scene. Also, he can work to get witness statements/videos, etc. while you are locked in a police car. An acquaintance of mine is free man right now because video exonerating him was obtained by his attorney in this manner. Calling your wife to find the number of the insurance company, so that they can call some lawyer for you later in the week - does about as much good as asking your wife to call your friend to see if you can borrow a gun when someone is breaking into your house.
If you think you have found a good one, do one of two things: (1) Buy it and enjoy the warm soothing feeling of smoke in your posterior, or (2) Demand that they send you the actual policy -- not testimonials, not glossy brochures, not a summary. Demand a copy of the actual contract that they are trying to sell you (which will somewhere revoke all the representations made in the glossy brochures). Once you have a copy of the policy, read it carefully and you will see that it excludes every possible situation in which they might have to actually pay you money. As but one example, I am sure every single policy allows the insurer to choose for you the cheapest/worst attorney that the insurance company can find, so that hopefully you fire their attorney and they can cut you off (this actually happens, I have dealt with them).
If anyone thinks they have a good policy (again a policy - not a brochure), please post it or send me a PM. I am willing to be convinced otherwise, but until I see a self-defense policy that helps the insured, I'll happily call them all hogwash.
Finally, if you are worried that you might need an attorney - find a CRIMINAL attorney ahead of time and have their number programmed into your phone (you need to make the call after 911, and before the police show up and separate you from your phone). If you are involved in a SD situation- you need an attorney immediately (minutes count). "Whatever you say, can be used against you in a court of law." This does not apply to your lawyer, so he or she can speak with the police on the scene. Also, he can work to get witness statements/videos, etc. while you are locked in a police car. An acquaintance of mine is free man right now because video exonerating him was obtained by his attorney in this manner. Calling your wife to find the number of the insurance company, so that they can call some lawyer for you later in the week - does about as much good as asking your wife to call your friend to see if you can borrow a gun when someone is breaking into your house.
What gets tricky is that self defense is a defense against a charge of murder (or some other crime). If the judge/jury does not buy that defense, you have already admitted to the specifics of the charge. You can't plead self defense, then say it was an accident or mistake of some kind.
Jim
Jim
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