[ARCHIVED THREAD] - Self Defense Insurance? (Page 1 of 2)
Posted: 7/17/2012 5:58:10 PM EDT
| Anyone have it. Anyone ever had to use it. Did it pay up? |
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there is a group called CCW safe or something liek that. It is essentially a prepaid legal service.
There is another group, of which i am member, called the armed citizen's defense league. Not exactly prepaid legal but they will help you out and will get you a lawyer if you get arrested or not after a shooting. Whether they go all the way with you depends on how good of a case it seems I guess. There is another thing called the CHL protection plan I think. I think it is more to help you to get bailed out and in the pre-indictment phase but not for trial. Sadly, it is not enough to be right. |
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YES! It is called Texas Law Shield, and it covers a number of other states as well. You do NOT have to be a Texas resident to join the program. for $11 a month, you get a membership card that instructs you on all the steps to take when dealing with the police until the attorney arrives, and numbers to call. Additionally, they will protect and defend you in a court of law, all the way, free of charge, 100% guaranteed in both Civil and Criminal Lawsuits, and its all for a yearly membership fee or a monthly fee.
Best insurance you will get for the price, definately worth it, and was $120 a year, for 20 years you are talking $2400...Thats about how much it would cost in your first 2 days of trial if you didnt have this sort of coverage. Be smart, and sign up! They are awesome. |
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I have through USCCA, never used it, but it sure gives me peace of mind... Same here I have been thinking about getting USCCA's defense shield but I am hesitant. From my understanding the policy isn't in your name, you are just a beneficiary. I have heard there is no guarantee you would receive the coverage if you needed it. Any truth to that? |
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Quoted: I'll pass, I have better things to waste my money on... I know a lot of people feel the same way about other insurances, as well. Do you have a CCW? If so, is the chance of danger real enough to get a CCW, but not real enough to need the legal coverage for your defense? I don't have the "personal defense" insurance. However, for the minimal cost, I think I probably should. I "waste" more money that than eating out each year, and that money literally goes down the toilet. I think the odds of a "CCW occurrence" are higher now than in the past. I think as our current snowball continues (food costs, unemployment, economy, foreign instability, the seeming race "war", etc), the odds of running to a "CCW situation" increase as well. Not to say the limit is approaching 1 or anything, but I think the odds are increasing. I know that my specific geographic area has witnessed an increase in home invasions, property crime, etc. |
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I'll pass, I have better things to waste my money on... I know a lot of people feel the same way about other insurances, as well. Do you have a CCW? If so, is the chance of danger real enough to get a CCW, but not real enough to need the legal coverage for your defense? I don't have the "personal defense" insurance. However, for the minimal cost, I think I probably should. I "waste" more money that than eating out each year, and that money literally goes down the toilet. I think the odds of a "CCW occurrence" are higher now than in the past. I think as our current snowball continues (food costs, unemployment, economy, foreign instability, the seeming race "war", etc), the odds of running to a "CCW situation" increase as well. Not to say the limit is approaching 1 or anything, but I think the odds are increasing. I know that my specific geographic area has witnessed an increase in home invasions, property crime, etc. The math is just too damn simple though. Texas Law Shield is $11 a month. For all you would pay in the course of 40 years of the srvice, your talking around $4500 max. That same $4500 would get you about five days in court with a good lawyer, maybe a week. But, for that same $11 a month, no matter what happens, anything gun related that goes to court, you have a Law Firm behind your back covering you in full. Criminal and Civil Courts. Multiple state coverage too. Guarantee you if you are not in a super conservative area, youre probably going to need a lawyer. |
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Do you have a CCW? If so, is the chance of danger real enough to get a CCW, but not real enough to need the legal coverage for your defense? I don't have the "personal defense" insurance. However, for the minimal cost, I think I probably should. I "waste" more money that than eating out each year, and that money literally goes down the toilet. I think the odds of a "CCW occurrence" are higher now than in the past. I think as our current snowball continues (food costs, unemployment, economy, foreign instability, the seeming race "war", etc), the odds of running to a "CCW situation" increase as well. Not to say the limit is approaching 1 or anything, but I think the odds are increasing. I know that my specific geographic area has witnessed an increase in home invasions, property crime, etc. Yep, I have a HCP and carry a P229 or G19 on me with a spare mag every time i leave the house However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine |
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Quoted: However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. +1 I bet those people in Aurora wished they could pick and choose when they would need a gun. Cut and Dry is naive, and The belief that you are somehow so good that they would be dead, is arrogant. If they turn and run and they dont die, you will have a lawsuit. If you shoot them in the back, lawsuit. |
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I bet those people in Aurora wished they could pick and choose when they would need a gun. Cut and Dry is naive, and The belief that you are somehow so good that they would be dead, is arrogant. If they turn and run and they dont die, you will have a lawsuit. If you shoot them in the back, lawsuit. Did I say anything about choosing when to carry or not... No I carry every day, and I think that you missed my point Do you honestly think that a judge is going to give a fuck if someone injures a active shooter... I don't think so I don't really care what a person spends there money on, I just simply stated that I'm not living in fear of what could happen if I ever have to defend myself |
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Um, considering 4 of 9 supreme court judges are ready to take away our second amendment, yes I am afraid of what a judge in court may decide about my actions taken.
Im not sure if you have military experience or not, but even over seas, you have to answer for every round that goes down range. Its a serious business, taking someones life. Its one thing to get hyped up and strap on a gun. Its another to pull the trigger and take a life, and then face the consequences, whether or not you were justified. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. Doesnt TX also have castle doctrine? and Oklahoma? Yet TEXAS LAW SHIELD still has business. I honestly didnt know this type of thing even existed. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. You are mistaken if you believe that means you cannot be prosecuted or sued . |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. Doesnt TX also have castle doctrine? and Oklahoma? Yet TEXAS LAW SHIELD still has business. I honestly didnt know this type of thing even existed. It is a mistake to think a castle doctrine type law prevents prosecution or suit. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. Doesnt TX also have castle doctrine? and Oklahoma? Yet TEXAS LAW SHIELD still has business. I honestly didnt know this type of thing even existed. It is a mistake to think a castle doctrine type law prevents prosecution or suit. +1 Its called Insurance for a reason. |
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YES! It is called Texas Law Shield, and it covers a number of other states as well. You do NOT have to be a Texas resident to join the program. for $11 a month, you get a membership card that instructs you on all the steps to take when dealing with the police until the attorney arrives, and numbers to call. Additionally, they will protect and defend you in a court of law, all the way, free of charge, 100% guaranteed in both Civil and Criminal Lawsuits, and its all for a yearly membership fee or a monthly fee. Best insurance you will get for the price, definately worth it, and was $120 a year, for 20 years you are talking $2400...Thats about how much it would cost in your first 2 days of trial if you didnt have this sort of coverage. Be smart, and sign up! They are awesome. I looked on their site... didnt' see any options for residents of other states being able to buy this insurance. What am I missing ? |
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I have through USCCA, never used it, but it sure gives me peace of mind... Same here How bout a run down or summary on this please I'm torn about this company. Sounds good enough ( not as good as $11/MO for the Texax Law Shield, but... ) Sounds good enough, but the email pestering... after I registered and continue to research... is pretty low class. Anyone? |
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Quoted: TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. So what if the case drags on for 6 months, before determining that it falls under the umbrella of castle doctrine? Anyone can sue, anytime, any place, for any reason. Doesn't mean it's legitimate, but it also means you have to pay for an attorney to represent you. A prosecuting attorney can do the same thing. They generally have 24 hours to try to find charges that "fit". I guess I've witnessed the wheels of injustice too many times to be naive about "If I do the right thing, I'll be fine." |
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Quoted: I'm torn about this company. Sounds good enough ( not as good as $11/MO for the Texax Law Shield, but... ) Sounds good enough, but the email pestering... after I registered and continue to research... is pretty low class. Anyone? Here's the NRA offered / endorsed version: http://www.locktonrisk.com/nrains/defense.htm |
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I have through USCCA, never used it, but it sure gives me peace of mind... Same here How bout a run down or summary on this please I'm torn about this company. Sounds good enough ( not as good as $11/MO for the Texax Law Shield, but... ) Sounds good enough, but the email pestering... after I registered and continue to research... is pretty low class. Anyone? I researched that insurance, the USCCA, and it reimburses you UPON YOUR AQUITTAL. |
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Quoted: policy only pays after bills are incurred and you are acquitted... limit is 50k. Zimmerman has done blown through a quarter million and discovery isnt even done.Quoted: I'm torn about this company. Sounds good enough ( not as good as $11/MO for the Texax Law Shield, but... ) Sounds good enough, but the email pestering... after I registered and continue to research... is pretty low class. Anyone? Here's the NRA offered / endorsed version: http://www.locktonrisk.com/nrains/defense.htm |
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Do you have a CCW? If so, is the chance of danger real enough to get a CCW, but not real enough to need the legal coverage for your defense? In my wallet is the business card of the best Self Defense lawyer in the state. I don't need any fly-by-night prepaid scheme. If you DO need a lawyer, you want the best one available. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. You are mistaken if you believe that means you cannot be prosecuted or sued . Sure, charges can be brought against you or you can be sued at anytime. The probability of a prosecutor charging you with a crime or someone successfully suing you largely depends on where you live. I live in rural East TN. No way a prosecutor is going to charge someone with a crime in a case of self-defense. Since we don't have liberal activist judges here, a civil suit is not likely to be successful either. If I lived in Memphis or Nashville, then I might consider something like the Texas Law Shield. |
| You may not know this, but if you do something and your incident gets nationwide media coverage, like Zimmerman, you can bet some anti gun asshole lawyer is going to fly his ass in and fight to charge you probono, just because he hates guns. It happens all the time. Living in rural east tennessee means absolutely nothing. When it really counts, your going to need a lawyer. |
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You may not know this, but if you do something and your incident gets nationwide media coverage, like Zimmerman, you can bet some anti gun asshole lawyer is going to fly his ass in and fight to charge you probono, just because he hates guns. It happens all the time. Living in rural east tennessee means absolutely nothing. When it really counts, your going to need a lawyer. I hear ya, but my town is approximately 99% caucasian. The ONLY reason the Zimmerman case got national attention was because Trayvon was black. If he were white, you wouldn't have heard a peep out of Al Sharpton or Jesse Jackson. |
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You may not know this, but if you do something and your incident gets nationwide media coverage, like Zimmerman, you can bet some anti gun asshole lawyer is going to fly his ass in and fight to charge you probono, just because he hates guns. It happens all the time. Living in rural east tennessee means absolutely nothing. When it really counts, your going to need a lawyer. I hear ya, but my town is approximately 99% caucasian. The ONLY reason the Zimmerman case got national attention was because Trayvon was black. If he were white, you wouldn't have heard a peep out of Al Sharpton or Jesse Jackson. Still, it's a big risk. What if you go out of town? |
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You may not know this, but if you do something and your incident gets nationwide media coverage, like Zimmerman, you can bet some anti gun asshole lawyer is going to fly his ass in and fight to charge you probono, just because he hates guns. It happens all the time. Living in rural east tennessee means absolutely nothing. When it really counts, your going to need a lawyer. I hear ya, but my town is approximately 99% caucasian. The ONLY reason the Zimmerman case got national attention was because Trayvon was black. If he were white, you wouldn't have heard a peep out of Al Sharpton or Jesse Jackson. Still, it's a big risk. What if you go out of town? It would probably be beneficial traveling to a metro area, although I try to avoid those areas like the plague. Like one other poster mentioned, I would be a little concerned about the quality of representation one would get with a pre-paid legal service. If I'm going to court, I want the best attorney in the state to represent me. |
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Sure, charges can be brought against you or you can be sued at anytime. The probability of a prosecutor charging you with a crime or someone successfully suing you largely depends on where you live. I live in rural East TN. No way a prosecutor is going to charge someone with a crime in a case of self-defense. Since we don't have liberal activist judges here, a civil suit is not likely to be successful either. If I lived in Memphis or Nashville, then I might consider something like the Texas Law Shield. Exactly, that's the point I was trying to make I live in Roane county, East TN and a SD lawsuit would not get far here |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. You are mistaken if you believe that means you cannot be prosecuted or sued . Sure, charges can be brought against you or you can be sued at anytime. The probability of a prosecutor charging you with a crime or someone successfully suing you largely depends on where you live. I live in rural East TN. No way a prosecutor is going to charge someone with a crime in a case of self-defense. Since we don't have liberal activist judges here, a civil suit is not likely to be successful either. If I lived in Memphis or Nashville, then I might consider something like the Texas Law Shield. Self defense is OFTEN a matter of fact for a judge or jury. You shoot someone you gonna talk to the cops WITHOUT representation? |
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Sure, charges can be brought against you or you can be sued at anytime. The probability of a prosecutor charging you with a crime or someone successfully suing you largely depends on where you live. I live in rural East TN. No way a prosecutor is going to charge someone with a crime in a case of self-defense. Since we don't have liberal activist judges here, a civil suit is not likely to be successful either. If I lived in Memphis or Nashville, then I might consider something like the Texas Law Shield. Exactly, that's the point I was trying to make I live in Roane county, East TN and a SD lawsuit would not get far here How "FAR" do you have funds to take you? |
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Good question. I bet $10,000 might get you...two weeks...with a good lawyer. I dunno, complacency or the idea that "That will not happen to me" or "Not in this area" is naive and stupid.
A man shot three burglars in his neighbors yard with a shotgun. TXInvestigator Im sure you know this story. Justified as hell. Still wasnt a short trial. Its not about being right or wrong, its about having a lawyer when you need it. |
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However, the chances of ever using my CCW is not only minimal, but if i ever did need to use my sidearm it would be in a cut and dry situation (active shooter/mugging ) In either of those cases in my state there would be no trials, and even if someone tried to sue the judge would laugh the individual out of the courtroom Bottom line is if you keep your CCW in the holster unless you really need it you will be just fine I think this is naive. I think "cut and dried" is anything but, particularly regarding a shooting and our court system. You're taking a sizable gamble with that mindset, IMO. TN has castle doctrine, which not only protects one from criminal prosecution in the event of self-defense, but also provides immunity from civil suits. You are mistaken if you believe that means you cannot be prosecuted or sued . Sure, charges can be brought against you or you can be sued at anytime. The probability of a prosecutor charging you with a crime or someone successfully suing you largely depends on where you live. I live in rural East TN. No way a prosecutor is going to charge someone with a crime in a case of self-defense. Since we don't have liberal activist judges here, a civil suit is not likely to be successful either. If I lived in Memphis or Nashville, then I might consider something like the Texas Law Shield. Self defense is OFTEN a matter of fact for a judge or jury. You shoot someone you gonna talk to the cops WITHOUT representation? Nope, I would definately have an attorney present when I gave a statement. I just don't think it is that important to have pre-paid representation. |
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Good question. I bet $10,000 might get you...two weeks...with a good lawyer. I dunno, complacency or the idea that "That will not happen to me" or "Not in this area" is naive and stupid. A man shot three burglars in his neighbors yard with a shotgun. TXInvestigator Im sure you know this story. Justified as hell. Still wasnt a short trial. Its not about being right or wrong, its about having a lawyer when you need it. Justified in Texas, not in Tennessee. Don't go looking for trouble and all that. If the three burglars were inside his house, it wouldn't have gone to trial. |
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Pre-paid legal services are NOT insurance.
If someone gets a money judgment against you they will not pay it. Someone mentioned an umbrella policy..large umbrella policies used to be fairly cheap although the insurance company usually required that you carry maximum coverage amounts on both homeowners and auto insurance before they would insure. Yep, we'd all want the best legal representation available or that we could afford but your lawyer is NOT paying a judgment against you. Recall one my my early insurance guys telling me "you could do a million dollars worth of damage with a marshmallow"..so its not so much what causes you to have a large judgment against you as to how you are going to pay for it. |