CCW Insurance: Is it Needed?

In deciding whether to buy any insurance coverage, you should review your existing insurance.

If you have homeowners coverage, it may be covered under the liability coverage. You may be buying something you already have.

The situations I’ve reviewed it’s often surpusage.

Forte Smitten Wesson said:

Obviously, if you live/work in a more dangerous neighborhood, have enemies, regularly associate with sketchy individuals who are not trustworthy, or any number of other factors which may place you at higher risk of needing to defend yourself, then it may be prudent to invest in insurance, or at least make arrangements with an experienced defense attorney so that they're all lined up to defend you in the event in which you should find yourself in the aftermath of a self-defense shooting.

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Or maybe first reconsider lifestyle choices...

crc4 said:

For the second time, it is not a law firm, nor is it insurance as they plainly state. It is a membership organization.

You seem to not understand the concept of what they do but that lack of research is your fault as the website clearly spells out what they do.

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Duly noted.

But for I think the third time, you’re getting bupkus for your $150.
Everything they provide is available to your privately hired attorney. Hopefully your lack of research doesn’t lead to a “Wait, what?” moment after your post shooting phone call. You still have to hire your own lawyer. At your own cost . . .

Edit: Scrolled back. Acknowledge and quote the first post where you stated this agency was not actually CCW insurance. I didn’t see it . . .

Rpg said:

In deciding whether to buy any insurance coverage, you should review your existing insurance.

If you have homeowners coverage, it may be covered under the liability coverage. You may be buying something you already have.

The situations I’ve reviewed it’s often surpusage.

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Let us know what homeowner's insurance company includes self-defense shooting coverage for both criminal and civil cases at home and elsewhere.

I'm sure that would be of interest to others.

OK, per the contents of #65, ACLDN isn't a law firm. No biggy. See the sentence where they bring MEMBER ATTORNEY'S into play. IIRC, if you've got a local favorite of your own, they'll chip in on his fees as well. The potential sticky issue is that if you aren't in the right (or reasonable at least), they aren't gonna help.

WR Moore said:

OK, per the contents of #65, The potential sticky issue is that if you aren't in the right (or reasonable at least), they aren't gonna help.

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That's how it should be. If your not legally justified in your SD action, why should they?

For those who say ACLDN doesn't pay for legal expenses, this is from their website under Member Benefits. It's plain that they do.

"Providing Legal Support When It Is Most Needed

Members who have been involved in a self-defense incident during their term of membership receive the following:

• A fee deposit paid to the member's attorney after the member has been involved in a self-defense incident. This is a membership benefit; the member is not asked to repay it. The fee deposit gets the legal defense immediately underway, with representation during questioning, and arranging for an independent investigation of the incident. If requested by the member or their representative, a Network official will respond to the location to assist the member in obtaining those services.
• Benefit applicable to any justifiable use of force, whether firearms related or by other legal means of defense.
• The Network will work with the member to arrange for bail, after the member has used force in legitimate self defense. See this article for a full explanation. In addition, the member and his or her attorney must provide facts of the case to show that their use of force was a legitimate case of self defense. The member’s attorney is responsible for providing those details to the Network prior to disbursement of monies to a bail agent.
• Network members also have access to additional funding from the Network's Legal Defense Fund for legal expenses of defending against unmeritorious prosecution or civil law suit after a self-defense incident occuring during their period of membership."

There's more information below the above selection that should be read and understood.

crc4 said:

That's how it should be. If your not legally justified in your SD action, why should they?

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Isn’t that ultimately a question for the jury?

crc4 said:

For those who say ACLDN doesn't pay for legal expenses, this is from their website under Member Benefits. It's plain that they do.

"Providing Legal Support When It Is Most Needed

Members who have been involved in a self-defense incident during their term of membership receive the following:

• A fee deposit paid to the member's attorney after the member has been involved in a self-defense incident. This is a membership benefit; the member is not asked to repay it. The fee deposit gets the legal defense immediately underway, with representation during questioning, and arranging for an independent investigation of the incident.

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I read all of that information. That’s a couple billable hours for questioning, and it mentions nothing about paying for the independent investigation. You’re on the hook for the rest . . .

crc4 said:

The member’s attorney is responsible for providing those details to the Network prior to disbursement of monies to a bail agent.

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You’re gonna sit a while, and you’re not gonna get reimbursed if you bond yourself out . . .

If it gives you peace of mind, go ahead, but don’t expect much. And nosy can provide links to testimonials, because they’re just not out there . . .

Muss Muggins said:

Isn’t that ultimately a question for the jury?



I read all of that information. That’s a couple billable hours for questioning, and it mentions nothing about paying for the independent investigation. You’re on the hook for the rest . . .




You’re gonna sit a while, and you’re not gonna get reimbursed if you bond yourself out . . .

If it gives you peace of mind, go ahead, but don’t expect much. And nosy can provide links to testimonials, because they’re just not out there . . .

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Nope. You're wrong again, but I can't fix intransigence. People can read for themselves and see what is actually written.

Duly noted. I wish you well . . .

crc4 said:

Nope. You're wrong again, but I can't fix intransigence. People can read for themselves and see what is actually written.

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Been away from this thread for a while. The posters who note that none of the CCW "insurance" providers seems to have testimonials, or published cases where their coverage came into play, has given me pause.

I sent an email using their contact form to Right to Bear asking about this.

Crickets.

I like the idea of the coverage but I would like to be able to confirm that someone has actually received it.