Posted: 12/28/2014 2:01:06 AM EDT
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Does anyone have it? What can you tell me about it? Good, bad, otherwise. What kind of rate have you gotten?
Hearing that Zimmerman mentioned in a podcast that the one thing he would do differently would be to have gotten 'self-defense insurance' beforehand, as he's now apparently heavily in debt for his legal fees, got me thinking. I googled "self-defense" insurance, and their are several options ranging from $300 to $600 / year for a $1,000,000.00 policy. Seems like many of the policies have provisions that they only pay out if you're found NOT guilty? |
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look up US law shield. I pay less than 20 a month and they will represent me for no fees other than my monthly charge. they won't defend you if it's obvious you were partaking in illegal activities when your gun was used What's the cap on your defense bill if you don't mind me asking? |
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I googled "self-defense" insurance, and their are several options ranging from $300 to $600 / year for a $1,000,000.00 policy. Seems like many of the policies have provisions that they only pay out if you're found NOT guilty? Who pays the attorneys in the meantime? If you have to pay them upfront, then what's the point in having the insurance. Self-insure if you're that worried about it. Put away $X every month in a savings account. Posted Via AR15.Com Mobile |
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What's the cap on your defense bill if you don't mind me asking? Quoted:
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look up US law shield. I pay less than 20 a month and they will represent me for no fees other than my monthly charge. they won't defend you if it's obvious you were partaking in illegal activities when your gun was used What's the cap on your defense bill if you don't mind me asking? No cap. directly from their site: Under our program a lawyer who is a Member of our Firearms Legal Defense Program will assist and defend you from the moment you need it, if you “use” a firearm. Your lawyer will represent you in any legal proceeding (criminal or civil), for zero attorneys’ fees. No cap or limit on attorney time |
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Who pays the attorneys in the meantime? If you have to pay them upfront, then what's the point in having the insurance. Self-insure if you're that worried about it. Put away $X every month in a savings account. Posted Via AR15.Com Mobile Quoted:
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I googled "self-defense" insurance, and their are several options ranging from $300 to $600 / year for a $1,000,000.00 policy. Seems like many of the policies have provisions that they only pay out if you're found NOT guilty? Who pays the attorneys in the meantime? If you have to pay them upfront, then what's the point in having the insurance. Self-insure if you're that worried about it. Put away $X every month in a savings account. Posted Via AR15.Com Mobile So far my search shows that different policies apparently cover your expenses differently. Obviously it would be preferable to have no up front or out of pocket expense. There's no way that I'm going to be able to put away the "$x" per month to cover a 2-million dollar legal bill like the Zim-man apparently has. By the way - you can't flim flam the Zim Zam. Just needed to say that. |
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look up US law shield. I pay less than 20 a month and they will represent me for no fees other than my monthly charge. they won't defend you if it's obvious you were partaking in illegal activities when your gun was used This sounds interesting. I will look them up. Thanks! |
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No cap. directly from their site: Under our program a lawyer who is a Member of our Firearms Legal Defense Program will assist and defend you from the moment you need it, if you “use” a firearm. Your lawyer will represent you in any legal proceeding (criminal or civil), for zero attorneys’ fees. No cap or limit on attorney time Quoted:
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look up US law shield. I pay less than 20 a month and they will represent me for no fees other than my monthly charge. they won't defend you if it's obvious you were partaking in illegal activities when your gun was used What's the cap on your defense bill if you don't mind me asking? No cap. directly from their site: Under our program a lawyer who is a Member of our Firearms Legal Defense Program will assist and defend you from the moment you need it, if you “use” a firearm. Your lawyer will represent you in any legal proceeding (criminal or civil), for zero attorneys’ fees. No cap or limit on attorney time Thanks! |
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I have a three million doller umbrella policy through Geico that costs about $800 a year if that helps. It would cover any lawsuit losses up to that amount. In order to get
the policy, all of your other policies (auto, homes) have to be the max amount. Mo minimums. |
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Thanks! Quoted:
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look up US law shield. I pay less than 20 a month and they will represent me for no fees other than my monthly charge. they won't defend you if it's obvious you were partaking in illegal activities when your gun was used What's the cap on your defense bill if you don't mind me asking? No cap. directly from their site: Under our program a lawyer who is a Member of our Firearms Legal Defense Program will assist and defend you from the moment you need it, if you “use” a firearm. Your lawyer will represent you in any legal proceeding (criminal or civil), for zero attorneys’ fees. No cap or limit on attorney time Thanks! Damn. I might need to look into that. I was talking with a fella who used one of the other "Self Defense Insurance" companies, and turned out it was shit. What they did was set you up with a lawyer that had some experience with the laws and that was it. They didn't pay a dime of your legal fee, pretty much just held a lawyer on retainer. Now I wish I could remember the name of the other company ... |
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Self defense insurance is a waste of money. Just look at Arf for some data. Most of us carry guns everyday. Has any of us ever been put on trial over what we thought was a good self defense shooting? Now compare that to how many "my house burned down" threads we have, and how many "my wife just died" threads, and "I got in a car wreck" threads. We insure those things because they're rare events with high costs. We don't insure self-defense shootings that are incorrectly tried because a GJ thinks it was a bad shoot, for the same reason we don't insure against alien abduction: it's too rare of an event to worry about. |
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Self defense insurance is a waste of money. Just look at Arf for some data. Most of us carry guns everyday. Has any of us ever been put on trial over what we thought was a good self defense shooting? Now compare that to how many "my house burned down" threads we have, and how many "my wife just died" threads, and "I got in a car wreck" threads. We insure those things because they're rare events with high costs. We don't insure self-defense shootings that are incorrectly tried because a GJ thinks it was a bad shoot, for the same reason we don't insure against alien abduction: it's too rare of an event to worry about. I do not live in the great state of Texas. I live here behind enemy lines and I carry. I have two policies, each slightly different. One with Second Call, one with CCW Defense. Max coverage. Being legally considered a civilian (even though I open carry while on duty as an auxiliary police officer) means I am vulnerable. What if a Dindu gets shot by me while he and his friends are trying to rob/attack me and my family? I need civil liability protection. What if I use my weapon while on duty as an auxiliary police officer? (Still a civilian) I need legal defense money. Is it right? No. Is it fair? No. Is it the way it is? Yes. |
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Self defense insurance is a waste of money. Just look at Arf for some data. Most of us carry guns everyday. Has any of us ever been put on trial over what we thought was a good self defense shooting? Now compare that to how many "my house burned down" threads we have, and how many "my wife just died" threads, and "I got in a car wreck" threads. We insure those things because they're rare events with high costs. We don't insure self-defense shootings that are incorrectly tried because a GJ thinks it was a bad shoot, for the same reason we don't insure against alien abduction: it's too rare of an event to worry about. You could say the same for owning a gun for self defense even though 1% or less of us will ever have to use it and yet most of us still carry. IMO spending lass than $20 a month and never having to worry about the legal fees in the event that I do get falsely accused is well worth it. |
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So far my search shows that different policies apparently cover your expenses differently. Obviously it would be preferable to have no up front or out of pocket expense. There's no way that I'm going to be able to put away the "$x" per month to cover a 2-million dollar legal bill like the Zim-man apparently has. By the way - you can't flim flam the Zim Zam. Just needed to say that. Quoted:
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I googled "self-defense" insurance, and their are several options ranging from $300 to $600 / year for a $1,000,000.00 policy. Seems like many of the policies have provisions that they only pay out if you're found NOT guilty? Who pays the attorneys in the meantime? If you have to pay them upfront, then what's the point in having the insurance. Self-insure if you're that worried about it. Put away $X every month in a savings account. Posted Via AR15.Com Mobile So far my search shows that different policies apparently cover your expenses differently. Obviously it would be preferable to have no up front or out of pocket expense. There's no way that I'm going to be able to put away the "$x" per month to cover a 2-million dollar legal bill like the Zim-man apparently has. By the way - you can't flim flam the Zim Zam. Just needed to say that. One of the other posters is correct: What is the likelihood of getting into a shooting? Police officers intentionally go into situations where they may have to use their gun. A small percentage are forced to ever even pull their gun, and an even smaller percentage have to shoot. Of the shootings that occur, only a fraction are deemed bad shoots. Zimmerman was a good shoot. The prosecution was political, driven by a cock-hungry, faggot DA. Insurance attracts lawsuits like a magnet. No insurance = no lawsuit. Lawyers can smell money. If they don't smell it they move on. Posted Via AR15.Com Mobile |
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I have a three million doller umbrella policy through Geico that costs about $800 a year if that helps. It would cover any lawsuit losses up to that amount. In order to get the policy, all of your other policies (auto, homes) have to be the max amount. Mo minimums. Hate to break it to you, umbrella liability policies only cover unintentional actions, NOT deliberate acts of self defense. |
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I googled "self-defense" insurance, and their are several options ranging from $300 to $600 / year for a $1,000,000.00 policy. Seems like many of the policies have provisions that they only pay out if you're found NOT guilty? Who pays the attorneys in the meantime? If you have to pay them upfront, then what's the point in having the insurance. Self-insure if you're that worried about it. Put away $X every month in a savings account. Posted Via AR15.Com Mobile So far my search shows that different policies apparently cover your expenses differently. Obviously it would be preferable to have no up front or out of pocket expense. There's no way that I'm going to be able to put away the "$x" per month to cover a 2-million dollar legal bill like the Zim-man apparently has. By the way - you can't flim flam the Zim Zam. Just needed to say that. One of the other posters is correct: What is the likelihood of getting into a shooting? Police officers intentionally go into situations where they may have to use their gun. A small percentage are forced to ever even pull their gun, and an even smaller percentage have to shoot. Of the shootings that occur, only a fraction are deemed bad shoots. Zimmerman was a good shoot. The prosecution was political, driven by a cock-hungry, faggot DA. Insurance attracts lawsuits like a magnet. No insurance = no lawsuit. Lawyers can smell money. If they don't smell it they move on. Posted Via AR15.Com Mobile While statistically it is highly unlikely that any of us will be in a shooting, then why do we carry at all? Because we can't afford to be wrong. And if we are in a shooting, can we afford to be right? I too live behind enemy lines and if I were in a shooting, I feel quite certain that there would be substantial legal fees incurred. Can I afford to be right? I don't think so. Hence, insurance. Is it worth it? Still debating. |
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I have a three million doller umbrella policy through Geico that costs about $800 a year if that helps. It would cover any lawsuit losses up to that amount. In order to get the policy, all of your other policies (auto, homes) have to be the max amount. Mo minimums. Lawyers love people like you. You make it very worthwhile to sue. 
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