Concealed carry insurance
- Thread starter BP Hunter
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Theohazard
Member
I look at it this way: The chance of me ever being involved in a defensive shooting is extremely small. And the chance that a defensive shooting I'm involved in will require me to spend lots of money on legal fees is even smaller still. I simply can't justify the cost of insurance or a retained lawyer for something that's so unlikely to ever happen.
In my opinion that money would be better spent on training: Being more effective with your firearm will further reduce your chances of ever having legal issues after a defensive shooting. And knowing the details of the legalities of self-defense shootings will reduce those chances even more.
In my opinion that money would be better spent on training: Being more effective with your firearm will further reduce your chances of ever having legal issues after a defensive shooting. And knowing the details of the legalities of self-defense shootings will reduce those chances even more.
geekWithA.45
Moderator Emeritus
Two thoughts:
1) Armed or not, there is NO UPPER LIMIT to the liability you expose yourself to by getting out of bed on any given day.
2) http://www.legalshield.com/
1) Armed or not, there is NO UPPER LIMIT to the liability you expose yourself to by getting out of bed on any given day.
2) http://www.legalshield.com/
RustyShackelford
member
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CCWsafe.com .....
I am not a formal member yet but Ive decided to go with www.CCWsafe.com .
The comparison chart is impressive.
The rates are decent & LE/US military service members get discounts. note: armed security or first responders do not qualify for special discounts.
To have a lawyer or legal plan is smart.
I'd add that remaining silent at the scene & not speaking to the media are important. I've seen many witnesses or subjects who feel obligated to speak directly to the media.
Rusty
I am not a formal member yet but Ive decided to go with www.CCWsafe.com .
The comparison chart is impressive.
The rates are decent & LE/US military service members get discounts. note: armed security or first responders do not qualify for special discounts.
To have a lawyer or legal plan is smart.
I'd add that remaining silent at the scene & not speaking to the media are important. I've seen many witnesses or subjects who feel obligated to speak directly to the media.
Rusty
Not sure if they were for real but I've definitely seen it happen a few times where people come here and post their legal situation. This forum is a great place to get advice on transfer laws, safe storage/travel req, where you can and can't carry, etc. But if you might have to appear in court in the not so distant future for the love of God DON"T POST IT HERE OR ANYWHERE ELSE.
That being said I agree hazard, you'll be throwing your hard earned money toward something that has an astronomical chance of actually happening. Plus ever since it became a fad I've always wondered how having "I just shot someone insurance" would play in court.
ColtPythonElite
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- Jan 8, 2011
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- 10,477
I am with you.
RustyShackelford
member
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Your welcome....
No problem.
Honestly I hope you never need it or need to find out how/what happens in a critical incident.
To get a lawyer(a criminal law firm/legal advisor not a family friend or guy a co-worker used in a slip & fall case) is smart.
Will you face criminal or civil charges for all lethal force events? Maybe not. But Id rather have a lawyer, PI, para-legal, etc available to support me & defend my case in court then deal with a 1,000,000 things at once after a critical incident.
I've talked to a few CCW license holders & armed citizens who purchased pre-paid legal plans.
Rusty
PS; To be clear; I am not a customer, employee, owner, manager or investor of CCWsafe.com or any other law group.
No problem.
Honestly I hope you never need it or need to find out how/what happens in a critical incident.
To get a lawyer(a criminal law firm/legal advisor not a family friend or guy a co-worker used in a slip & fall case) is smart.
Will you face criminal or civil charges for all lethal force events? Maybe not. But Id rather have a lawyer, PI, para-legal, etc available to support me & defend my case in court then deal with a 1,000,000 things at once after a critical incident.
I've talked to a few CCW license holders & armed citizens who purchased pre-paid legal plans.
Rusty
PS; To be clear; I am not a customer, employee, owner, manager or investor of CCWsafe.com or any other law group.
If you're looking for such insurance, do your homework!
There appears to be two camps - policies that do little / nothing for you until after the trial (and you've been found innocent / not guilty), and those that put up money / services immediately in order to try to head off a problem.
I've heard that some companies will not pay if you're found guilty, so you have a conflict of interest - it's in the insurance company's financial interest for you to be found guilty, and do you really want such a policy / company?
For a baseline, I think I'd start with Marty Hayes' Armed Citizens Legal Defense Network?
I've heard the lawyers for Texas Law Shield a LOT on the GOA podcasts - they sound like they may function as Armed Citizens Legal Network does, and they're expanding into different states as rapidly as possible.
No idea which plan / company is the best, but I find it often helps to pick one as a baseline - study / learn it, then you'll know what questions to ask when you're comparing to other plans. If another plan is better, make it your new baseline and continue your shopping.
There appears to be two camps - policies that do little / nothing for you until after the trial (and you've been found innocent / not guilty), and those that put up money / services immediately in order to try to head off a problem.
I've heard that some companies will not pay if you're found guilty, so you have a conflict of interest - it's in the insurance company's financial interest for you to be found guilty, and do you really want such a policy / company?
For a baseline, I think I'd start with Marty Hayes' Armed Citizens Legal Defense Network?
I've heard the lawyers for Texas Law Shield a LOT on the GOA podcasts - they sound like they may function as Armed Citizens Legal Network does, and they're expanding into different states as rapidly as possible.
No idea which plan / company is the best, but I find it often helps to pick one as a baseline - study / learn it, then you'll know what questions to ask when you're comparing to other plans. If another plan is better, make it your new baseline and continue your shopping.
ohbythebay
Member
I only have one question
Has anyone ever used this $99 peace of mind ? I researched this a while back when the topic was brought up. Even the NRA has an insurance program. But not one of these can or does point to situations (unbiased testimony) that says " I used the service in a self defense case and xyz happened".
When you buy car insurance or homeowners insurance, you can get a pretty good idea of their track record on speed of payment, coverage, etc. These policies are just words and other than the NRA, not sponsored by any major insurance carrier.
When I did my research, it seemed to be summarized that what you need at that time is a good lawyer (if it comes to being charged) and in many states, such as mine, if found innocent, you will be compensated for the cost of your defense by the state (check your state for applicability)
These LLC's and popup a website services scare me...so do your research. two reputable ones (because you can SEE who underwrites them) are
National Rifle Association coverage, underwritten by Lloyd's of London through the brokerage firm Lockton Affinity LLC, offers two options. For $165 per year, an NRA member receives $100,000 in combined liability coverage for civil defense costs plus criminal defense reimbursement, if acquitted. For $254 annually, the combined coverage jumps to $250,000.
Self-Defense Shield protection from the U.S. Concealed Carry Association, or USCCA, through Savers Property & Casualty Insurance Co., a subsidiary of the Meadowbrook Insurance Group, offers members three benefit levels, with coverage limits ranging from $50,000 civil/$25,000 criminal to $300,000 civil/$75,000 criminal. Prices run from $127 to $297 per year
Has anyone ever used this $99 peace of mind ? I researched this a while back when the topic was brought up. Even the NRA has an insurance program. But not one of these can or does point to situations (unbiased testimony) that says " I used the service in a self defense case and xyz happened".
When you buy car insurance or homeowners insurance, you can get a pretty good idea of their track record on speed of payment, coverage, etc. These policies are just words and other than the NRA, not sponsored by any major insurance carrier.
When I did my research, it seemed to be summarized that what you need at that time is a good lawyer (if it comes to being charged) and in many states, such as mine, if found innocent, you will be compensated for the cost of your defense by the state (check your state for applicability)
These LLC's and popup a website services scare me...so do your research. two reputable ones (because you can SEE who underwrites them) are
National Rifle Association coverage, underwritten by Lloyd's of London through the brokerage firm Lockton Affinity LLC, offers two options. For $165 per year, an NRA member receives $100,000 in combined liability coverage for civil defense costs plus criminal defense reimbursement, if acquitted. For $254 annually, the combined coverage jumps to $250,000.
Self-Defense Shield protection from the U.S. Concealed Carry Association, or USCCA, through Savers Property & Casualty Insurance Co., a subsidiary of the Meadowbrook Insurance Group, offers members three benefit levels, with coverage limits ranging from $50,000 civil/$25,000 criminal to $300,000 civil/$75,000 criminal. Prices run from $127 to $297 per year
Those last two words are biggies...
I heard the folks at Texas Law Shield discussing the NRA policy - suppose the DA tries to hang you (overcharge) and puts you thru the wringer, only to offer you a "deal" just before you walk into trial - probably because he knows he overcharged you.
What do you do?
1. Roll the dice?
2. Plea bargain?
Since you were obviously "not guilty", but maybe accepted a plea bargain for a much lesser charge, you've just plead guilty - does the NRA insurance cover all the expenses forced on you by an overzealous DA as he put you thru the financial wringer?
Hey - you weren't acquitted, so we don't pay!?
I think you can stop right there. If you do anything involved with USCCA you really better do your homework!
I listen to their podcasts - they spend an inordinate amount of time patting themselves on the back, promoting USCCA, and it seems they run twice as many commercials (if not more) as many other gun podcasts I listen to.
Ye olde Spidey sense just starts tingling a bit too much for my comfort when it comes to USCCA.
You also realize USCCA is not a non-profit organization?
ohbythebay
Member
Agree on those last two words
Its a dice roll...
As far as the organizations - I can't comment - my post wasn't about that...just that those are two that at least have a known underwriter...
NRA, I am a member of...
Its a dice roll...
As far as the organizations - I can't comment - my post wasn't about that...just that those are two that at least have a known underwriter...
NRA, I am a member of...
Blackbeard
Member
I don't trust any insurer to put up the best legal defense during a criminal trial. If it were just a civil trial for liability, sure. If you lose, they have to pay the damages. But for a criminal trial, it's you that goes to prison, not them. They don't pay any extra if you lose the criminal trial. It's in their financial interest to keep legal costs down. That isn't likely to get them to hire the best lawyer possible.
Now, maybe there's some plan out there that will let you choose your own lawyer and they pay the costs. I haven't seen it yet.
Now, maybe there's some plan out there that will let you choose your own lawyer and they pay the costs. I haven't seen it yet.
RustyShackelford
member
- Joined
- Apr 27, 2006
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- 4,018
Huh?....
I highly doubt a legal defense network or aid plan would stay in business for very long if they only wanted $$$ or were going to cut corners.
Some members seem really bitter & opinionated with these legal aid plans.
I'm not a JD holder or a PI. If a pre paid legal plan can help me then so be it.
I'd agree that some States Attys or DAs might be reaching for harsh sentences but if you are in the right, then you can prevail.
I had a minor incident with a local PD in 2012. I used a public defender & all charges were later cut(entire case closed). I knew the local state's atty(a 100% disabled combat veteran & former sheriff) & when I played that card, all the city atty's office lawyers & prosecutors freaked.
I highly doubt a legal defense network or aid plan would stay in business for very long if they only wanted $$$ or were going to cut corners.
Some members seem really bitter & opinionated with these legal aid plans.
I'm not a JD holder or a PI. If a pre paid legal plan can help me then so be it.
I'd agree that some States Attys or DAs might be reaching for harsh sentences but if you are in the right, then you can prevail.
I had a minor incident with a local PD in 2012. I used a public defender & all charges were later cut(entire case closed). I knew the local state's atty(a 100% disabled combat veteran & former sheriff) & when I played that card, all the city atty's office lawyers & prosecutors freaked.
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