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  #51  
Old 08-18-2016, 10:22 AM
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Originally Posted by P-229 View Post
An umbrella policy might cover a self-defense shooting.

If, God forbid, one is in a self-defense shooting, an axiom is if you win the (any) criminal case, you'll win the civil case.

I'd rather save money for the best criminal and civil attorneys. And I'd avoid prepaid legal insurance. You won't get the best because the best do not participate in such policies.
Umbrella policy will not cover an intentional act. Self defense shooting is an intentional act. (I have an umbrella policy.)

If you do your due diligence you may find that the firm that will represent you is a good one.

This is the firm that handles criminal and civil cases on the policy I elected. Scroll down their page and look at their rating. I was told the cases are not farmed out.
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Last edited by blues7; 08-18-2016 at 10:32 AM.
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  #52  
Old 01-31-2017, 02:35 PM
CubanCigar#1 CubanCigar#1 is offline
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I have been a member of CCW Safe for now going on four years, my girlfriend is in her second year! Service and response to questions is excellent, the benefits offered as well as the non coverage areas are clearly spelled out.

The only external communications via email are training, situational, crisis videos which are very informative. Also when there is a high profile addition to their staff. There are no messages or communications from CCW about upgrades, or any other pressure sales pitch.

Although I hope to never have to use this service I am prepared, trained in the used of the proper tools if such an eventuality was to come my way! More importantly I believe that having CCW Safe truly completes this safety loop.

In conclusion: each and everyone of you needs to do your own research and due diligence and decide what is best for you and your budget.

Long live the Republic.
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  #53  
Old 01-31-2017, 05:04 PM
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I have a fire extinguisher in both my vehicles, in my house, and a CCW Safe membership card in my wallet. I have had a couples membership for the last 4 years. Just like the extinguishers, I hope I never need to use it, but it's there if needed.
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  #54  
Old 01-31-2017, 06:46 PM
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To the OP: you asked four legitimate questions but I don't see them answered in any of the posts/replies. Both companies you referenced have 800 phone numbers. I'd recommend calling them to get an "official" answer to your questions.

As an aside, I found by reading the "fine print" on some of these type policies that the policy may become null and void and provide no coverage whatsoever if you are "under the influence of alcohol". Not knee walking drunk mind you or even over the legal limit for impaired/intoxicated, just "under the influence". So if I walked into my house after work, popped a top on a cold one, had even one swallow of beer and then found myself in need of armed defense against a bad guy in the house, a policy like this would offer me no protection as I would have a MINUTE amount of alcohol in my system if tested by authorities and thus be "under the influence". Exactly how and by whom the determination is made in a case like this to test someone's blood alcohol level is unknown to me but I'd hate to find out in this manner that the protection I thought I owned was non-existent.

Ask for a COMPLETE COPY OF THE POLICY AND EXCLUSIONS and read and understand it before paying for "coverage". My $0.02, FWIW.
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  #55  
Old 01-31-2017, 08:19 PM
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To the OP: you asked four legitimate questions but I don't see them answered in any of the posts/replies. .
The date of the first post was 3-29-16...
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  #56  
Old 01-31-2017, 11:25 PM
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Originally Posted by P-229 View Post
...If, God forbid, one is in a self-defense shooting, an axiom is if you win the (any) criminal case, you'll win the civil case...
I've never heard that axiom before - is that only applicable to SD shootings?
Cause it sure didn't work out that way for OJ...
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  #57  
Old 02-01-2017, 05:19 PM
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I'm going to suggest a different approach and what is I think a better and more cost effective option.

Ask around and find a good criminal defense attorney in your area who is well versed with self defense law and the use of deadly force by armed citizens. Then meet with that attorney and pay a retainer up front to ensure his services in the event you ever need them.

Unless you look or act shady, he or she is going to view it as a very low probability that you'll ever have need for those services, so the retainer should be pretty small - on the order of $100-$150. On top of the $100-$150 or so you'll pay for the legal consult, you're only going to be out $250-$300 in up front costs.

How does this save you money? Three ways:

1) During this initial meeting your prospective attorney will tell you exactly what to do if you are ever involved in a shoot, and he or she may review the use of deadly force with you. Having that legal advice in advance makes your attorney's job a lot easier and it will often prevent your prosecution.

2) After a shoot, since you followed that advice, didn't talk your head off at the scene and waited for your attorney to arrive, your case will be much less complicated and much easier to defend, which will save you a lot of money you would have otherwise paid in legal fees.

3) instead of paying $150 a year for insurance you'll probably never need, and if needed you may not even benefit from, just bank the money in a savings account. In ten years you'll have $1,500 plus interest that is on tap for legal fees, etc if needed. In 20 years it'll be $3,000 plus interest, and if you never need it, it's still money in the bank.
I know this post is old, but I have to say that the $3000 you saved in 10 years probably won't get you through the first day of legal representation.
And that's assuming that lawyer is available when you need them or even still practicing law.
Have you noticed what the banks are paying in the way of interest lately?
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  #58  
Old 02-01-2017, 07:26 PM
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Quote:
Originally Posted by BB57 View Post
I'm going to suggest a different approach and what is I think a better and more cost effective option.

Ask around and find a good criminal defense attorney in your area who is well versed with self defense law and the use of deadly force by armed citizens. Then meet with that attorney and pay a retainer up front to ensure his services in the event you ever need them.
So what happens if you are out of your area, say traveling in another State? CCW Safe has attorneys throughout the US, and no retainer required. Just say'n.....
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  #59  
Old 02-01-2017, 10:41 PM
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From what I've read about USCCA, they are not a reimbursement company & are very upfront with what they cover. As a matter of fact, here's a link to the "fine print" of their coverage.
https://www.usconcealedcarry.com/pdf...-Guide_Web.pdf
If you go to their site, there is a comparison chart, like Irriflemann uses, (except, up to date) of them & about four or five other companies, including CCW Safe, Texas Law Shield & I believe, NRA.
They do push added items but I understand you can opt out of those emails. They ARE a business, afterall!
I have diligently compared coverages between them & several others...& weighed in not having it at all. I keep going back to my auto insurance & I may not ever need it but if I do, I'll be damned glad I have it. It's all a personal choice & I'm convinced, they will be the one I'll go with. If I had the BG's schedule, I would just avoid them & not even carry...but I don't, sooooo.

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  #60  
Old 02-02-2017, 12:48 PM
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Just something else to add to the confusion.









Who do you believe?


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  #61  
Old 02-02-2017, 01:09 PM
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Who do you believe?
Neither. "Trust but verify" is getting harder and harder to do.

The only reasons I have confidence in my own policy (for retired federal LEOs) is because the underlying insurer is rated at the top of its class and the policy is endorsed by a variety of federal law enforcement organizations which I have known personally to advocate strongly for their membership. And even with that nothing is foolproof.
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  #62  
Old 02-02-2017, 03:27 PM
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Here is a link to the CCW Safe comparison chart that is easier to read:

http://ccwsafe.com/wp-content/upload...-1427x1500.png

Last edited by Lee in Quartzsite; 02-02-2017 at 03:30 PM.
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  #63  
Old 02-02-2017, 08:55 PM
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Quote:
Originally Posted by Lee in Quartzsite View Post
Here is a link to the CCW Safe comparison chart that is easier to read:

http://ccwsafe.com/wp-content/upload...-1427x1500.png
That one's definitely easier to read.

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  #64  
Old 02-04-2017, 11:25 PM
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When I first began CC I went with USCCA. My cost was $30.00per month $360 per year for the highest paying plan. I was very impressed when I first signed on. They have an excellent magazine, but as previously stated they upend and frequently have drawings that feature 'FREE' pistols to people who sign up. Actually , they provide a certain amount of money and the winners, of course, must purchase their own firearm (or keep the money?). I was not familiar with any of the other options for CCW protection until I began checking CCW-Safe (which is NOT insurance). I suggest that anyone interested check them out themselves. For less than half what I paid USCCA , the highest coverage is available. The lawyers and staff at CCW-Safe are all former LEOs or Military who have been involved in self-defense shooting. I posted a similar post several months ago and received comments that I was 'shilling' for the company.

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  #65  
Old 02-04-2017, 11:43 PM
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You are being redirected...
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  #66  
Old 02-04-2017, 11:53 PM
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Often times HAVING insurance is an attraction to attorney's to sue you, I was a cop for 30 years and never put a dime in my name, my wife owned everything, my wife inherited land and money and securities and its all in her name. I was sued for millions of dollars in federal and state courts (unsuccessfully) I was in a 5 man detective unit and over the years every one of us was sued (we were indemnified so we had to wait for our suits to be resolved before we could retire) If U have insurance you're more likely to be sued....the claimants lawyers will attempt to get a settlement from your insurance coverage, they do it every day.
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  #67  
Old 03-13-2017, 10:16 PM
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I had USCCa for 2 years at $360 annually, the high option. If you like their magazine and the fact that they give away Free pistols and rifles be my guest, otherwise checkout https://ccwsafe.com]CCW Safe[/url] and compare $129.00 with USCCA. Equals higher or same coverage lower cost. Then call CW-Safw and speak with them.

As for the naysayers on buying legal protection I wonder if they feel the same about auto insurance or health insurance?
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  #68  
Old 03-15-2017, 11:00 AM
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Originally Posted by gman51 View Post
I checked into a few legal defense options and USCCA from what I read was IMO a poor choice. I went with Texas Law Shield which now is in many other states.
I pay around $140 a year and I pay nothing more for legal defense should I have a problem arise concerning my use of a gun. This legal team of lawyers specializes in gun law defense. This is not merely a legal retainer it is full legal representation should I need it.
Read what a plan covers and what it doesn't cover. People don't realize the minimum for legal defense could easily start at $25,000. If a person ends up in jail for arraignment they don't want to be wondering what law firm to call and how to come up with thousands of dollars they often don't have laying around. I make a phone call and an attorney specialized in gun law is by my side. I don't pay a dime more for him representing me.
I went with the sister company, US Law Shield after a lot of research.
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  #69  
Old 03-15-2017, 11:40 AM
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For the price of an attorney retainer a person could have CCW legal protection paid for.
If you have an atty. on retainer and you need a lawyer then I hope you have minimum of $25,000 at your quick disposal. Your retainer will not pay a dime towards your legal defense costs. That 25 grand could be a drop in the bucket depending how far your case goes in court.

I had Texas Law Shield which is same as US Law Shield. I suggest you check more closely what you don't get with them that CCW includes at no additional cost. Look at the chart above comparing CCW to several other plans.

Last edited by gman51; 03-15-2017 at 11:47 AM.
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Old 03-15-2017, 01:04 PM
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Glad I came across this thread, I'm also considering g getting g this...

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