WHY I DON’T NEED SELF DEFENSE INSURANCE.

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Disclaimer—I am a sales representative for US LawShield in Georgia
Today I was at the shooting range and was discussing the need for some type of self defense “insurance” or, more correctly, protection plan with a shooter.
Since I am a retired NYC Court Officer/Senior Clerk I have a fairly good grasp on what happens after an incident—regardless if shots were fired or not.
As well as the workings of the Ju$tice System.
While reading some of the responses of an earlier thread here goes…

1) I don’t go to dangerous places so I don’t have to worry.

Reply—Any place can be dangerous.—even your home.
‘And if bad things cannot happen to you then why own a self defense weapon?

2) “Mine will be a good shoot so I’m okay”

Reply—Even a good shoot will be investigated.
Which May take months and lots of billing hours $300-500 per hour)from your attorney.
(Yes—right after calling 911 you should be calling your attorney)
Jack Wilson ( the man who took down a church shooter in Texas) was investigated from December 2019 until he was finally cleared in September 2020.
Luckily for him he had a protection plan.

3) “No jury will ever convict me”
Hmmm—-you have been around many juries.
‘Going on trial means that you have been charged with a major felony.
(Perhaps what you felt was a good shoot is not seen quite that way by others)
Trials also take months and involve pre trial motions, depositions, expert witnesses, etc, etc.
We are talking major six figures here and those without proper finances may be forced to take a plea.
‘If you don’t have insurance you will be paying out of pocket—-which probably means going deep into debt and losing everything that you have saved a lifetime for.

4) “ I have an umbrella policy”
‘Really—-exactly what does it cover?
Criminal charges?
Civil Lawsuit?
Does it cover legal fees?
If yes them how much does this policy cost?
Most self defense plans cover criminal & civil legal fees as well as appeals, if necessary—and most cost under $300 per year.

Bottom line—if you have a gun then you may be forced to use it.
When you do you will be very happy to be part of a self defense protection organization
There are many companies out there so I heartily recommend doing some research and then making an informed decision.
 
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Yep! I have one and my spouse says she has a greater peace of mind (with me having one).
For those of you who do not have a protection plan, Google the subject. There are two or three that are reputable. Check to see if your State is included in a specific plan and see if you qualify for a discount (LEO, retired military, etc.)
Like house insurance and auto insurance, you have them but hope you neve will need them.
 
Yep! I have one and my spouse says she has a greater peace of mind (with me having one).
For those of you who do not have a protection plan, Google the subject. There are two or three that are reputable. Check to see if your State is included in a specific plan and see if you qualify for a discount (LEO, retired military, etc.)
Like house insurance and auto insurance, you have them but hope you neve will need them.
When I lived in NYC I had USCCA but was canceled when our esteemed Governor banned any type of self defense insurance.
Luckily CCW Safe was exempt from this as long as you were an active or retired LEO so I bought their Defender plan.
Now that I live in S.C I have more choices.
 
For those of you who do not have a protection plan, Google the subject. There are two or three that are reputable.
I'd suggest that there are at least a half dozen that are reputable. However, some have conditions, policies, or limitations that may not be acceptable to some potential members or customers.
Also, some of the pages that compare the plans are out of date, for instance still listing NRA Carry Guard, which went kerpoof a few years ago. After looking at the comparison tables, go to each plan's home page to see what their current coverages and costs are.
 
When I lived in NYC I had USCCA but was canceled when our esteemed Governor banned any type of self defense insurance.
Luckily CCW Safe was exempt from this as long as you were an active or retired LEO so I bought their Defender plan.
Now that I live in S.C I have more choices.
I have CCW Safe myself.....retired military....the Defender plan.
FWIW, my neighbor has USCCA and my CCW trainer/certifier is a USCCA sales rep.
 
I'd suggest that there are at least a half dozen that are reputable. However, some have conditions, policies, or limitations that may not be acceptable to some potential members or customers.
Also, some of the pages that compare the plans are out of date, for instance still listing NRA Carry Guard, which went kerpoof a few years ago. After looking at the comparison tables, go to each plan's home page to see what their current coverages and costs are.
This ^^^
Like hiring a contract do your due diligence.
 
Insurance companies always find a legal way not to pay .

I paid insurance on my house for 35 years , never missed a payment , never made one claim . Then a storm did $4,000 dollars damage , when I made a claim ... they said sorry we are able to raise your $500.00 deductible to $5.000 if the storm had a name and this one was named ... So ...you get ....nothing , even though you have paid a premium every month for 35 yours that's your tough luck for believing insurance companies ... take care of their customers ... you didn't read the fine print and weren't aware of the loopholes we create buy slipping money under the table to the insurance commissioner ... You just acting the fool and we took you .
Gary
 
Most of these companies are self funded—-not insurance companies.
Most pay up front with no caps and no deductibles.
Most have exceptions—-must be legal weapon, can’t be a criminal act ( armed robbery)
Some won’t cover if you have any alcohol in your system, etc etc.
Again—do your research and read the fine print.
 
I have CCW Safe myself.....retired military....the Defender plan.
FWIW, my neighbor has USCCA and my CCW trainer/certifier is a USCCA sales rep.
The only reason why I dropped CCW Safe was due to their alcohol policy.
Meaning if I have a martini at dinner and use my weapon they won’t defend me if any amount of alcohol is still in my system.
 
After having been covered by a LDF (legal defense fund) team throughout my career, I felt a bit naked without available legal coverage once I was no longer carrying an active badge/ID card. I looked around and decided to go with the retired associate member coverage from my state's PORAC, which also covers me for LEOSA (including if some out-of-state agency doesn't understand how LEOSA works :scrutiny:). A little later, I decided to add the basic US LawShield membership to supplement the PORAC coverage, since the PORAC program only covers using a firearm. I like that I can call and temporarily add LEOSA coverage to the basic US LawShield coverage only when I need it for out-of-state travel. I spend more on my cigar club membership and cigars each month than I do for the combined legal coverage for both programs each year.
 
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That's not helpful in this discussion
Perhaps, not, but there is some truth there.

As I understand it, USSCA has faced some lawsuits over the years for not covering clients after an event. Correct me if I'm wrong, but, according to my reading, they also are a reimbursement policy, meaning they pay you after you pay your attorney. If I had the money to pay legal counsel, I wouldn't need USCCA, would I?
 
The only reason why I dropped CCW Safe was due to their alcohol policy.
Meaning if I have a martini at dinner and use my weapon they won’t defend me if any amount of alcohol is still in my system.

There is an easy solution to that-don't drink alcohol when carrying. Guns and alcohol don't mix anyway. I think it's a wise policy for both CCW and their clients.

I think CCW is probably the better of the bunch, but I have some issues with the wording of their policy regarding where you can and can't carry (no gun signages) and if you're covered. I emailed them a few times but never could get them to make a solid statement clarifying their position.
 
Perhaps, not, but there is some truth there.

As I understand it, USSCA has faced some lawsuits over the years for not covering clients after an event. Correct me if I'm wrong, but, according to my reading, they also are a reimbursement policy, meaning they pay you after you pay your attorney. If I had the money to pay legal counsel, I wouldn't need USCCA, would I?
USCCA pays everything up front.
There is some confusion if they do or do not demand repayment if you take a plea or are convicted.
That needs to be cleared up.
 
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