Carry Insurance?

[Ed M]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED.

[berettabone]

True it is not real insurance. Kind of like the extended warranty racket. These folks couldn't care less about your well being. If they weren't making big money on this sort of thing they wouldn't be in the business. Still undecided. I think the best idea is becoming good buddies with a good? lawyer.

A good idea................I got to thinking.................I've never heard of a reverse lawsuit, in the news or on paper. That is, if I must use my firearm in self defense, and the person lives, they will probably try to sue me in civil court. If they die, their siblings will probably sue me in civil court ie. parents. In this situation, I believe I would also open a civil suit against this person, for putting me in that position or circumstance in the first place, and forcing me to do something that I didn't want to do, to save my own life. I've never heard of this happening. Doesn't mean it hasn't. Might be a reason??????????

[berettabone]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED.

Everything you say makes perfect sense........................How will you know if you really can get a hold of an attorney with one phone call at 3 am on a weekend, unless you really have to make the call?????? I'd need a bit more to go on myself...............in a perfect world.

[Ed M]

Honestly, I hope I never have to find out.

At the seminar I went to, they stressed over and over that when you call their 1-800 emergency number, an experienced gun law attorney will answer. I never called 911 to "test it", but I sure hope that works too.

"Please press 1 for English....." I think I'd vomit.

On the membership card they give you, they also have a non-emergency # listed. I did call that once with a question on travelling out of state, and they were awesome.

[Barth]

Go to court without a good lawyer and kiss your ars goodbye

Ya, NRA is promoting this but do any of you actually have any protection policy? Most of them are very expensive but....

A co-worker who has been to a number of training classes is a real believer of these guys who have a reasonably priced offering.
Tom Gresham of Guntalk radio and TV has been a promoter and member long before they became a sponsor of his show. They are a fund tied in with a host of lawyers and expert witnesses. They have an impressive list to show off.

In today's world something like this is starting to make sense to me.

What say you?

https://armedcitizensnetwork.org/defensefund

This particular one is one of the highest rated.
Mas Ayoob is affiliated with it.
$135 for one year didn't seem extreme to me.
I signed up a few days ago

Like others have stated.
We all hate lawyers - until we need to appear in court.
Then you damn well better have a good one.
This is America and the best lawyer wins.
That's just the way it is...

I remember like threads years ago so I will discontinue my well known rant - LOL!

[Ed M]

Why do they bury lawyers 10' deep instead of 6' deep?

Because deep down, they're good people too.....

[knkali]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED.

agreed 110% however, u don't know you will get through at 3 a.m and how experienced is that attorney you get? Have we heard of ONE case where these plans have stepped in? One? Face it, we are buying hope. Some plans seem more hopeful than others. Other option....don't carry. I went deep down this rabbit hole regarding liability and the second threat to your life after you pull. Bawanna, LZ and a few others here and at home straightened me out.

[O'Dell]

There's lawyers involved. They decide if your case has merit. Count me out.

It's like insurance, they offer the moon and when you file a claim they have lawyers trying to figure out a way not to pay.

Do away with lawyers and you wouldn't need this in the first place.

Sorry O'Dell, but lawyers just are not my thing.

Not a problem, Bawanna. I quit the trade over 20 years ago, mainly because I feel the same way you do about the current condition of the law business.

[Ed M]

Here's a good video on how to be better prepared if you are involved in a self defense shooting:

[340pd]

agreed 110% however, u don't know you will get through at 3 a.m and how experienced is that attorney you get? Have we heard of ONE case where these plans have stepped in? One? Face it, we are buying hope. Some plans seem more hopeful than others. Other option....don't carry. I went deep down this rabbit hole regarding liability and the second threat to your life after you pull. Bawanna, LZ and a few others here and at home straightened me out.

I have found if you call any of these guys they will give you actual cases where they have stepped in and done their job. I think each individual has to assess their comfort level and costs. I do know I will have some sort of protection and it may be hope but before I buy I will have the names of attorneys in my area and my neighbor who owns a law firm will fill me in on their expertise. I have covered this with my neighbor and he tells me you need a lawyer that specializes in gun defense.
The research goes on.

[340pd]

For my requirements I have narrowed it down to two (ccwsafe and ACLDN) and ccwsafe is the direction I will probably go. My neighbor and close friend is a founding partner in a local law firm and he looked over both plans saying the need for some protection/assistance like this would be of great value in the event of a unexpected need to defend yourself and the inevitable aftermath. He indicated if murder charges were thrown about, $25,000 MIGHT be enough retainer to even obtain a good lawyer to PREPARE to go to trial.

Please everybody understand I have no dog in this fight nor do have any association with any of the players in this field. I am just a retired slob that carry's a gun to protect myself and my family. I would prefer not to see 50 years of saving go to an attorney when for $130/yr or less I have a chance of greatly minimizing that outlay.

List of coverage e-mailed me a couple of days ago from CCWsafe,





-NO CAP ON CRIMINAL DEFENSE FUNDS

-IMMEDIATE BAIL BONDS BETWEEN 250,000 BOND OR UP TO 1,000,000.00 COVERED
-NO CAP ON IMMEDIATE LOCAL ATTORNEY RETAINER
-NO CAP ON CIVIL DEFENSE FUNDS REGARDLESS OF GUILTY VERDICT
-CRIMINAL RESPONSE COORDINATOR FORMER HOMICIDE DETECTIVE
-NO CAP ON ATTORNEY FEES FOR INTERROGATION & GRAND JURY TRIAL
-MISTRIALS, RETRIALS AND APPEALS COVERED AT NO COST TO MEMBER
-1OO% UP-FRONT, NO OUT-OF-POCKET COST
-ALL LEGAL WEAPONS COVERED IN 50 STATES
-NO CAP ON INVESTIGATOR COSTS
-NO CAP ON EXPERT WITNESS COSTS
-FAMILY PLAN/HOME DEFENSE PLAN OPTIONS AVAILABLE
-USE OF FORCE FOR THIRD PARTY IN DEFENSE OF LIFE COVERED
-ALL STATES COVERED THAT HONOR CCW PERMIT THROUGH RECIPROCITY
-UP TO 3,000.00 COVERAGE FOR CRIME SCENE CLEAN-UP FOR HOME
-FIREARM REPLACEMENT EQUAL TO CALIBER DURING TRIAL
-24/7/365 CALL CENTER WITH IMMEDIATE ATTORNEY CONNECTION
-U.O.F. WITHOUT WEAPONS (HANDS) IN DEFENSE OF LIFE COVERED
-VICIOUS ANIMAL ATTACKS IN DEFENSE OF LIFE COVERED
-COVERED IN ALL 50 STATES IN VEHICLE DURING LEGAL TRANSPORTATION
-RETIRED/ACTIVE DUTY LAW ENFORCEMENT DISCOUNT PLANS AVAILABLE
-QUALIFIED L.E. AND MILITARY THROUGH LEOSA COVERED IN 50 STATES
-RETIRED/ACTIVE DUTY MILITARY DISCOUNT PLANS AVAILABLE
-ALL 50 STATES WHERE YOU CAN POSSESS A FIREARM WITHOUT A PERMIT
-VACATION HOME, R.V., HOTEL COVERAGE SAME AS HOME COVERAGE
-NETWORK AND NON-NETWORK LOCAL ATTORNEYS CONTRACTED
-PROVISIONAL TERMS FOR SPOUSES WITHOUT PERMIT AVAILABLE
-ON SITE CRITICAL RESPONSE TEAM FOR DEADLY FORCE CASES
-ATTORNEYS PROFESSIONALLY SELECTED BY NATIONAL TRIAL COUNSEL
-PEER SUPPORT ON SITE/PHONE - TIME OF INCIDENT UNTIL END OF TRIAL
-EXPERT WITNESS COORDINATION AND ALL FEES PAID FOR BY COMPANY
-UP TO 250/DAY WAGE LOSS COVERED WHILE IN CRIMINAL & CIVIL TRIAL
-LEGAL AND TRAINING ADVISORY BOARDS
-PSYCHOLOGICAL SUPPORT WITH UP TO 10 SESSIONS OF COUNSELING

-PROVISIONAL TERMS FOR THOSE WAITING ON PERMIT TO ARRIVE
-24/7/365 CALL CENTER FOR NON-EMERGENCY SUPPORT
-CUSTOMER CARE SPECIALISTS WITH LAW ENFORCEMENT EXPERIENCE
-COVERAGE FOR ACTION AGAINST PERMIT FOLLOWING USE OF FORCE

-ONSITE AND ONLINE EDUCATION & TRAINING FOR MEMBERS
-NEWSLETTER AND SOCIAL MEDIA ENGAGEMENT FOR ALL MEMBERS
-DIGITAL AND PLASTIC WALLET MEMBERSHIP CARDS AVAILABLE

[knkali]

I am glad that your research came to the same conclusion as mine that CCW SAFE seemed to give the most bang(sic) for the buck

[Longitude Zero]

I am glad that your research came to the same conclusion as mine that CCW SAFE seemed to give the most bang(sic) for the buck

Agree with both of you.

[340pd]

As of July 4 I went with CCWSafe. They offer the coverage I thought I may need at a reasonable price. The second place choice was ACLDN which was a close second and I feel is actually better at helping its members with training videos etc. CCWSafe is very clinical and you do everything online with zero followup from them to date. Membership card is digital and hopefully I will never need it.
I never even considered the offering from the NRA because I feel it is hypocritical for them to ask for corporate membership and then undercut them by getting into the business that their members have created from scratch. Some carry insurance companies were actually denied a boot at the annual NRA convention. At that point the NRA has eliminated any future contributions from me. From now on I will give my national donations to the second amendment foundation which actually litigates as opposed to trying to profit from their donated money.

[DM123]

To me it looks like a total waste of money. Something the average person will never use in their entire lifetime. Kind of like buying Lightning Insurance and never leaving your house. How many people do you know that have had to defend their self in court for gun related offenses?

Agree. If I had insurance for every possible occurrence and pay taxes and give to the church, I would have nothing left.

Another factor, I don't live in a liberal Mecca. It would take a very strong case against me to get 12 jurors to find for the Plantif.