theboyscout
Member
I use and encourage others to enroll with the US CCA the cheapest coverage is 149 a year and you get 300,000 in coverage and if you get the more expensive you can get coverage up to 1.2 million, if you want
45_auto wrote:
My attorney is a real estate and tax guy. Why in the world would I want him involved?
CapnMac wrote:
They are now a 501 chapter-something, probably "c" and are self-supporting. If I remember right they are a blend of non-profit and not-for-profit organizations.
pintler wrote:
Two things to consider:
1)I don't think homeowners policies typically defend against criminal charges.
2)Some don't defend against civil liability for intentional acts, i.e. if you accidentally injure someone you're covered, but not if you intentionally injure them - and if you shoot a burglar, it is usually going to be intentional.
My attorney is a real estate and tax guy. Why in the world would I want him involved? I would imagine that the vast majority of homeowners/CCW carriers have very little aquaintance with criminal lawyers.
I think I would prefer the recommendations of some friends involved in the law enforcement or judicial system if I had to go to court.
So that he can give you a referral to a reputable and capable criminal defense attorney. Otherwise you risk being in a position of having to pick one out of the yellow pages at the police station.
The logical organization to spearhead such an effort would be the NRA, acting like the AAA did in the early days of cars when they helped motorists get insurance for their "gas buggies" when no one else would. But I doubt the NRA would want to do that; they defend the right to bear arms, but have always been a bit skittish about where that leads.
Jim
Nope....So I'd say they're getting involved in the insurance business. (Small print says it's administered by Lockton Affinity LLC - probably a regular insurance company they've associated themselves with somehow.)....
Nope.
See post 24 where I explained how this sort of thing works.
A further illustration of why it's useful to read a thread before responding.
I've have been a member of CCW Safe for several years now. My wife and I checked out all the others and decided CCW Safe is the best for us.I signed up for CCW Safe last week after I said in a previous post of doing all my homework. IMHO I feel they are by far the best at what they offer. Hands down. Don't read internet opinion- do your own research and ask questions of each company you are considering.
As an added benefit their service is the least expensive of all of them and they thoroughly explained to me why. Although cost was a consideration, it was not a deciding factor- if they would have been the most expensive, I would have still chosen them. They don't have the extensive library of videos and training materials as some of the others, and they don't hound you for "up sales" but they offer real unlimited protection. NONE of the others do. (Again, ask questions yourself, call them on the phone, write them email)
Some say all of these services are a scam, others say it is not necessary- Choose for yourself. It is your financial life if something goes horribly wrong and you have to legally defend yourself. The legal battle cost would be devastating to me and my family, why add that burden to an already horrible situation? I insure everything else I own, why not this? If someone tells me the courts might see it as premeditated or however the keyboard warriors want to spin it, well then I have lawyers to make sure that the courts understand why I chose to insure myself from violent, unprovoked attack. I'll take that chance.
They might not be right for you, but I like what they offer.
@ Ghost In The Fog - I found this dated comment from (Truth In Advertising) tina.com about CCW Safe and I was interested if this is still their current position about judgements?
CCW Safe offers is subscription service that will pay your legal fees should you shoot someone in self-defense with your licensed and concealed weapon. CCW makes it clear this is not the same thing as insurance, and that you won’t have to pay deductibles with their service. But they don’t make clear why that might be a bad thing. The terms of service notes that “any money judgements rendered against a member is the responsibility of the member.” So if you shoot someone with your concealed weapon and lose the case, you’re on the hook for the payout. If you’re insured, the insurance company should cover part of the penalty. Concealed weapon carriers interested in this type of service should be aware that CCW Safe does not cover money judgements. (emphasis is mine)
Thanks for any information..... Doc
For the same reasons you want your automobile liability insurance, and your homeowner's liability insurance, and any other liability insurance to cover money judgements. The standard of proof in a civil matter is "a preponderance of the evidence." That's a significantly lower standard of proof than the "beyond a reasonable doubt" required to convict in a criminal matter......Also when I think about it, why would they want to cover any judgments? ....
The immunity only applies if it is established that the use of force was justified. An acquittal in a criminal trial doesn't do that. It only establishes that the prosecution didn't convince the jury "beyond a reasonable doubt" of your guilt (Remember that O. J. Simpson was acquitted of the crime but hammered in the civil trial.)....I live in Colorado and you are protected from any Civil suits if you are involved in a legal self defense situation.....
The immunity only applies if it is established that the use of force was justified. An acquittal in a criminal trial doesn't do that. It only establishes that the prosecution didn't convince the jury "beyond a reasonable doubt" of your guilt (Remember that O. J. Simpson was acquitted of the crime but hammered in the civil trial.).
All I can tell you is that I've been a member for a bunch of years. I think highly of the folks involved, including Marty and Gila Hays, and Mas, of course. I've never had a need to use it, thank God; and it's not real insurance or a legal services program. But they can help with some funding in meritorious cases, help put you in touch with a lawyer, help connect you or your lawyer with experts and other resources. I think the cost is fairly modest for what you get.Any opinions about the Armed Citizens' Legal Defense Network? Masood Ayoob is associated with it. My concealed carry instructor, who has a good reputation, recommends it. He isn't a fan of USCCA.
The immunity only applies if it is established that the use of force was justified. An acquittal in a criminal trial doesn't do that. It only establishes that the prosecution didn't convince the jury "beyond a reasonable doubt" of your guilt (Remember that O. J. Simpson was acquitted of the crime but hammered in the civil trial.).
If the plaintiff disputes your claim of justification, he can still sue. And if the civil jury finds that the plaintiff has rebutted "by a preponderance of the evidence" your claim of justification, the jury could find you liable and award damages.
Exactly what would establish justification?
I attended a trial where the defendant was proven Innocent. He had three lawyers at his desk during the trial. I can only guess how much that set him back. My guess he will be paying out for a very long time because the word was he didn't have insurance.
It is a roll of the dice IMHO. I know many people that can buy the best policy going and not even feel a tickle and others that would do some monetary suffering with the premiums alone.
In addition to the lack of reliable insurers, one concern I have is that having gone out and bought insurance to pay for your defense might be framed as a disposition to use the available tools in situations with marginal or inadequate justification.
This may or may not be real. But it stands to reason that those who think they need insurance may be higher risk to insure than those who do not.
Its all garbage. If you are facing serious criminal charges, you want to pick your own attorney, not be assigned the cheapest provider the "insurance" company can provide.
You will be provided a public defender anyways by the government, and they are at least experienced criminal trail attorneys.
Also your attorney needs to be your second call after 911, they can do a lot more the sooner they get involved. Any insurance company will just give you the run around before providing benefits.