Get A Legal Defense Plan.

Matthew Temkin said:
CCW SAFE is one of the few companies that offer civil damage compensation.
Yes—it’s worth it.
Most companies will cover your legal fees for a civil suit but not if you lose and have to pay damages.
However—a good shoot is very unlikely to result in a civil judgment but you will still need a lawyer to answer/fight the summons.

Civil lawyers only get paid if they win, so the opposition will try to squeeze you to make a quick settlement even in the most ridiculous of circumstances—as this link shows. ( This BS suit was eventually tossed by a judge)

Having a free lawyer makes you VERY unattractive to these sharks and makes a legal, justified shooter pretty much sue proof.
As to bail think 1 mil is adequate—-and is well beyond what the other companies offer.
Any more than that you’ll probably be remanded.
As to your other question—Kyle had a go fund me page.
FYI he is now being sued by the guy who he shot in the bicep.
I am not familiar with who Elisjsha Dickens has representing him.
Click to expand...

Thanks for all your answers!
 
old lady new shooter said:
I didn't know that, but I drink one glass of wine per week, in my house, and don't go anywhere afterwards. So I guess it could only affect me if my home was broken into. Still not a pleasant thought. Is it disclosed anywhere on their website? I don't remember seeing it...
Click to expand...
It’s there.
You have to read your terms of service.
 
old lady new shooter said:
I didn't know that, but I drink one glass of wine per week, in my house, and don't go anywhere afterwards. So I guess it could only affect me if my home was broken into. Still not a pleasant thought. Is it disclosed anywhere on their website? I don't remember seeing it...
Click to expand...
You never have a martini at a restaurant?
 
Matthew Temkin said:
It’s there.
You have to read your terms of service.
Click to expand...
OK, I found it:
  • Substances That Alter Judgment: CCW Safe will not provide the services if, at the time of a use of force incident, you are impaired in public or private property not of your own, by the use of alcohol, controlled substances, or prescribed medication that impairs judgment, or in any location you are in violation of state law or regulation concerning alcohol and drug use while in the possession of a firearm. This restriction is specific to any public place or private property not of your own.
So it doesn't apply if you are in your home at the time of the incident.

Also, since it says "impaired" I could imagine that if you are out somewhere and maybe you had a single beer or a glass of wine two hours prior to the incident, you would conceivably not be able to be considered "impaired".
 
Rockrivr1 said:
To me its just like driving my car. Wouldn't do that without insurance.
Click to expand...
Gun legal-services plans are more like Car Shield or other extended warranties, than they are to regular car insurance. In other words, they are "prepaid services" rather than true "insurance." Prepaid services are a classic racket. That applies to everything that can be so described-- extended warranties, prepaid funerals, medical plans such as Medicare Part C, and gun law plans. These businesses make bank by playing on the suckers' insecurities, coupled with their ignorance and impecuniousness.

If you feel that exposed carrying a gun, just have a trusted lawyer on retainer, rather than paying the overhead (rake off) on a plan. Not to mention the fine print, that excludes things you might really need. A retainer is not an expense -- it just sits there until needed. Unlike a prepaid plan, which is an expense. A retainer you get back (if never needed), while the other, you don't.
 
Having a gun for self defense means that you may have to use it—-even if no shots are required.
Just that alone exposes you to needing a lawyer.
In fact it “exposes” all of us to becoming a pawn to the justice system—both criminal and civil.
Having a lawyer on retainer is great until you need him.
Unless I’m missing something you still pay an hourly fee if you require representation.
For example this guy is a great attorney and his retainer—$35 per month sounds great until—-
You realize that when you need him his hourly rate is reduced from $650 per hour to $170 per hour.
 
Last edited:
Any statistics on lawful self defense (with firearm) that did not result in charges filed, or getting sued? Has to happen.
 
Are numbers available from any of these companies regarding number of cases they represent on a yearly basis? Real information would mean more to me than someone just telling me it's "something I need".
 
old lady new shooter said:
OK, I found it:
  • Substances That Alter Judgment: CCW Safe will not provide the services if, at the time of a use of force incident, you are impaired in public or private property not of your own, by the use of alcohol, controlled substances, or prescribed medication that impairs judgment, or in any location you are in violation of state law or regulation concerning alcohol and drug use while in the possession of a firearm. This restriction is specific to any public place or private property not of your own.
So it doesn't apply if you are in your home at the time of the incident.

Also, since it says "impaired" I could imagine that if you are out somewhere and maybe you had a single beer or a glass of wine two hours prior to the incident, you would conceivably not be able to be considered "impaired".
Click to expand...
Thanks for that.
I just rejoined CCW SAFE.
 
Scrapiron45 said:
Are numbers available from any of these companies regarding number of cases they represent on a yearly basis? Real information would mean more to me than someone just telling me it's "something I need".
Click to expand...
Some do and some don’t
That is something that you’d have to research yourself.
Personally I would find out each plan’s list of attorneys and contact each one individually.
Or—-find out if the plan allows you to choose your own lawyer.
As to “something you need”—
You WILL need a skilled attorney if involved in any use of force situation.
Criminal & Civil.
That’s a given—unless you wish to represent yourself that is.
So—-you either have some type of legal defense plan or you put someone on retainer in every state that you may one day visit.
Your choice.
 
Last edited:
AlexanderA said:
Gun legal-services plans are more like Car Shield or other extended warranties, than they are to regular car insurance. In other words, they are "prepaid services" rather than true "insurance." Prepaid services are a classic racket. That applies to everything that can be so described-- extended warranties, prepaid funerals, medical plans such as Medicare Part C, and gun law plans. These businesses make bank by playing on the suckers' insecurities, coupled with their ignorance and impecuniousness.

If you feel that exposed carrying a gun, just have a trusted lawyer on retainer, rather than paying the overhead (rake off) on a plan. Not to mention the fine print, that excludes things you might really need. A retainer is not an expense -- it just sits there until needed. Unlike a prepaid plan, which is an expense. A retainer you get back (if never needed), while the other, you don't.
Click to expand...
Prepaid funeral expenses differ from the other examples in that everybody's gonna die someday. And check out the price behavior of gravesites near you to see how much they keep rising.

As for carry insurance, $400 a year is nothing compared to the several hundred thousand dollars you would be out for a single incident where you have to prove self-defense. And if you are wealthy enough to be able to pay out several hundred thousand dollars without impairing your financial security, you certainly won't miss $400 a year.
 
Folks ought to have the right to decide to anticipate and prepare to face a potential threat, or decide to ignore it until such time as it may happen. (Both in lawfully carrying a dedicated defensive firearm AND planning to have legal defense coverage in the event it becomes necessary.)

Crisis management and management by crisis may be considered to be equivalent by some folks, though. ;)

Pinching pennies now versus being unable to staunch the hemorrhaging of dollars later? :confused:
 
fastbolt said:
Folks ought to have the right to decide to anticipate and prepare to face a potential threat, or decide to ignore it until such time as it may happen. (Both in lawfully carrying a dedicated defensive firearm AND planning to have legal defense coverage in the event it becomes necessary.)

Crisis management and management by crisis may be considered to be equivalent by some folks, though. ;)

Pinching pennies now versus being unable to staunch the hemorrhaging of dollars later? :confused:
Click to expand...
Whatever.
 
AlexanderA said:
Gun legal-services plans are more like Car Shield or other extended warranties, than they are to regular car insurance. In other words, they are "prepaid services" rather than true "insurance." Prepaid services are a classic racket. That applies to everything that can be so described-- extended warranties, prepaid funerals, medical plans such as Medicare Part C, and gun law plans. These businesses make bank by playing on the suckers' insecurities, coupled with their ignorance and impecuniousness.

If you feel that exposed carrying a gun, just have a trusted lawyer on retainer, rather than paying the overhead (rake off) on a plan. Not to mention the fine print, that excludes things you might really need. A retainer is not an expense -- it just sits there until needed. Unlike a prepaid plan, which is an expense. A retainer you get back (if never needed), while the other, you don't.
Click to expand...

See I disagree with this. The plan I've chosen gives me $25K upfront for bail/lawyer once I'm involved in a CCW event. That's more than I have at any given time that I can access easily. Yes, there are some hoops after that, but for the amount I pay a year to have that access, it's well worth the money.
 
AlexanderA said:
Prepaid services are a classic racket. That applies to everything that can be so described-- extended warranties, prepaid funerals, medical plans such as Medicare Part C, and gun law plans. These businesses make bank by playing on the suckers' insecurities, coupled with their ignorance and impecuniousness.
Click to expand...
The business do make money. But individual buyers may recover far more than the amounts that they pay in. It's a gamble.
AlexanderA said:
If you feel that exposed carrying a gun, just have a trusted lawyer on retainer,
Click to expand...
The retainer covers up to the amount of the retainer, and no more. The fees likely to be incurred even if the case does not go to trial are likely to far exceed the value of any retainer that most individuals could ever afford.

Add the cost of a trial, and maybe an appeal or two. Add to the attorney's fees the cost of hiring private investigators and expert witnesses. The total would swap any retainer that a private citizen would even think about.
 
Rockrivr1 said:
See I disagree with this. The plan I've chosen gives me $25K upfront for bail/lawyer once I'm involved in a CCW event. That's more than I have at any given time that I can access easily. Yes, there are some hoops after that, but for the amount I pay a year to have that access, it's well worth the money.
Click to expand...
I have a plan that costs 16 per month that provides bail up to 1 million.
 
Kleanbore said:
The business do make money. But individual buyers may recover far more than the amounts that they pay in. It's a gamble.
The retainer covers up to the amount of the retainer, and no more. The fees likely to be incurred even if the case does not go to trial are likely to far exceed the value of any retainer that most individuals could ever afford.

Add the cost of a trial, and maybe an appeal or two. Add to the attorney's fees the cost of hiring private investigators and expert witnesses. The total would swap any retainer that a private citizen would even think about.
Click to expand...
In that situation you are talking well into the 6 figures.

 
You must log in or register to reply here.

Similar threads

F
  • Locked
Armed Citizens Legal Defense Network
Replies
5
Views
895
Robert Hairless
R
Matthew Temkin
  • Locked
WHY I DON’T NEED SELF DEFENSE INSURANCE.
Replies
16
Views
642
Matthew Temkin
Matthew Temkin
K
  • Locked
Self Defense "Insurance"--Is it a Good Idea?
2
Replies
25
Views
2K
Kendahl
K
K
  • Locked
What to Do after a Self Defense Encounter
Replies
4
Views
8K
Kleanbore
K
B
  • Locked
Plan B?
Replies
13
Views
974
M47 Dragon
M
Back
Top