Carry Insurance/Legal Coverage?

[blues7]

Apparently this is a very divisive topic for some folks. Hey, I don't like spending the money either. But I'm not an evangelist for the product. If you don't want it...don't buy it. And I wish you the best, sincerely.

But I can easily afford the $399 the CCW Safe HR 218 plan costs me annually. Think of it as potentially amortizing a huge legal bill...whether on the civil or criminal side.

Do I expect to ever be charged with a criminal act with a firearm? Of course, not. But I sure as heck don't feel like forking over our comfortable retirement to pay an attorney's fees and all the associated costs of a protracted trial.

Folks are free to hold differing opinions...and that's just fine with me.

 

[haywood]

I hope I never use any Insurance I have. But, what if……………..?

 

[ggibson511960]

Data

No insurance carrier will ever reveal how many claims they have paid or how many disputes they have defended against. Intuitively the number of such incidents is vanishingly small compared to larger insurance markets such as auto, homeowners, health and professional liability. In this information void, we're all left to make individual value judgements. I use the meteorite insurance metaphor often.

There is another consideration. The very existence of insurance protection invites bogus, jackpot justice claims. No sane person or business ever divulges the existence of insurance or limits of coverage, but who knows what's discoverable. There are a lot of professionals "running naked" with the predetermined decision to hand the keys to any serious litigant. The absence of indemnity insurance can condition better behavior.

 

[Yaworski]

I have learned 2 things in 74 years that relate to this thread.
1. Never say never.
2. It will never happen to me.

Way back in 1984, I was out of college but unemployed. I'd fallen off my father's insurance because I had graduated and I was carrying my own insurance. That insurance was running about $100 or $150 a month, a chunk of change for an unemployed guy in 1984.

One Friday evening, I was having dinner with my father and I commented, "I don't know why I carry this insurance. I never get sick and I don't get injured." My father said to keep it and if I couldn't pay, he'd pay it. Ok, whatever.

Two days later, I was hit by a train and got to spend ten days in the hospital. No MRIs in 1984 but they were doing CTs of my head every hour. I don't even want to think of what that bill was.

As you said, never say never.

 

[blues7]

The absence of indemnity insurance can condition better behavior.

You forgot to add "an armed society is a polite society" for completeness.

(Some sarcasm may have been intended.)

 

[sotexas]

I have learned 2 things in 74 years that relate to this thread.
1. Never say never.
2. It will never happen to me.

Car insurance. I would never be in a car accident ( I was twice ).
Home insurance. ( damage from earth quake in ky. What were the odds? ).
Health insurance. ( creeping up on 1 million over 41 years, healthy as a horse (( 32 years)) until 1979 ).
CCW Safe. ( so far so good, but who can tell the future ).

That’s the point. If you legally carry a gun, can you guarantee 100% that you will never use it in defense of your life or someone else’s?
Most criminal attorneys require around $25,000 as a retainer just to take a case. Are you willing to gamble everything you have to
Pay for a criminal/civil trial and civil award? Im not!

Just Sayen !

Solid statement IMO

 

[Charlie Foxtrott]

Those policies are a great scam for the outfits that sell them.

Typically, they will claim that they have attorneys available 24/7for you to call and they will be there for you. Well the only attorneys that would consent to doing this are the hungry ones. The ones that maybe are not all that great at what they do. Or maybe the kids that just got out of law school. Good attorneys are never looking for work. and they do not go on call for 24/7 call out.

If one wishes to consider something like this. Ask the outfit that is attempting to sell you the policy for the names of the attorneys that might be called upon to represent you.
And then check them out on Martindale.com. Check their peer ratings. Customer ratings mean zero as they can be cherry picked. As for me I would only want a four or five start peer rated attorney to represent me in a tight situation.
Now this came up here on this forum a while ago. And a forum member claiming to be an attorney. I think that they likely were but. They claimed that Martindale was no longer relevant. Subsequently I have researched this a bit and found out that his statement was complete BS. Martindale.com is still widely respected as a resource in the legal community. My extended family has some seriously heavyweight attorneys contained within it. Do your own research. Draw your own conclusions.

 

[YkcorCal]

Great Thread and even Greater Posts!!!

 

[Lee in Quartzsite]

CCW Safe for both my wife and me. They won a case a few years ago where their client was arrested and charged with murder. He was acquitted during a jury trial. It’s described on their website.

I also have 4 fire extinguishers that I have never had the need to use. As well as home owner’s insurance, and car insurance I have never had to use either.

Waste of money?? At least I will never regret NOT getting protection for my family.

 

[Yaworski]

CCW Safe for both my wife and me. They won a case a few years ago where their client was arrested and charged with murder.

That's my concern. Civil suit, meh. I don't have anything worth taking so no worries there. Criminal charges can bankrupt you in a heartbeat.

 

[Lee in Quartzsite]

The man defended by CCW Safe was Stephen Maddox. The cost for his defense and acquittal was over $300,000 and he did not have to pay one penny.

Many good videos on YouTube that explains his self defense shooting, arrest and trial.

https://www.youtube.com/results?search_query=stephen+maddox+case

 

[Dvan34]

I agree with you! But if you ever need representation you'll probably wish you had it.

 

[Muss Muggins]

Well, as long as you're not a member of a rival biker group with an ongoing beef with the guy you ultimately had to shoot, and you don't keep going to places you know he'll be, you should be okay . . .

The man defended by CCW Safe was Stephen Maddox. The cost for his defense and acquittal was over $300,000 and he did not have to pay one penny.

Many good videos on YouTube that explains his self defense shooting, arrest and trial.

https://www.youtube.com/results?search_query=stephen+maddox+case

 

[Bald1]

Insurance companies are like ladies of the night. First they take your money then they ———— you. I’ve never had a good experience with a insurance related matter.

 

[Rustyt1953]

I have seen many, many threads addressing this topic. In all of them the boiled down general consensus was; if it helps you sleep better and gives you peace of mind then do it.

 

[Rammer Jammer]

Insurance companies will find any loophole that they can to deny you coverage.

 

[djohns6]

Insurance companies are like ladies of the night. First they take your money then they ———— you. I’ve never had a good experience with a insurance related matter.

And I've never had a bad one . Vehicles , Homeowners , even Federal Flood Insurance . Everybody has always covered what they were contracted to cover . I wish the premiums were cheaper but that's a different discussion .