Question about CCW Safe self defense "insurance"

Unless you have at least 25 grand even if you were in a justified shooting then you could loose everything. You might not go to jail but you might be living in your car afterwards. For the cost of some lawyer retainer you could have full legal representation with CCW coverage providing legal defense.
People say it is a waste of money on something you have less than a 1% chance of using. Whooopie! In ten years I could have saved up $1400. If that 1% happens then you better hope you can come up with perhaps at least $25 grand before an attorney will take your case. Also the $25 grand could be a fraction of what you might have to spend as the trial goes on. Do you have another $25 grand to put in the attorney' hand so he don't drop your case?
Funny how people will spend thousands on guns to carry for protection because they have a 1% chance of needing a gun to protect their life. But oh no $140 for a year of legal defense that you might never use is a waste of money?
To each his/her own. I own a gun I will have legal defense taken care of.
 
Mainsail said:
I am very skeptical of these services, more so when I read, "See our Legal Services Contract Membership Agreement for additional specificity.

Those details do not appear anywhere on the website as far as I can tell. Why the subterfuge?
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The fine print...It’s 10 pages so get some coffee:
Login - Fire Arms Legal
 
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Mainsail said:
Takes me to a log-in page. I guess you find out after you send them your money. Sounds like Pelosi- you have to pass the bill to find out what's in it.
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When I signed up in June during my recert class, we had a good Q&A session that answered the questions we had. I trusted the word and judgement of my instructors...I’ve known them for 10 years.

I’d been looking for a year, and this was the best I’d heard of, and I figured I could drop it if I changed my mind. In August we had a very good meeting at the Range with one of the FLP owners, who used to be an Army JAG Lawyer. His name is Elwood Allen Chandler, Jr from Texas. So after three months I felt comfortable with the plan.

I especially like the multi state coverage for travel with my Florida Non Resident Permit. I do travel occasionally and for $20 a month that is nice.
 
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zzclancy said:
Do you have auto and homeowners insurance? If you do does that make you a sucker?

Muss Muggins said:
My state and lender require auto insurance, and my lender requires homeowners insurance . . .
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How about a fire extinguisher? Spare tire? Anybody mandating you have them? No? Bet ya' got 'em anyway. Same principle...
I have to agree with gman51.
 
flintsghost said:
I have to say that I agree with this member in most ways. First, insurance companies are profit making enterprises and they reap tons of money. Their aim is to collect your money for premiums and limit the amount they pay out by denying claims. One company a lot of us have dealt with is CUNA. Anyone who has a credit union account and has any insurance on it has been insured by CUNA - Credit Union National Alliance. I have had to fight with them for my disability insurance that was on my house and my loan when I was forced to take a disability retirement. They are the worst company I've ever had to deal with outside of the worlds biggest insurance scammer which is "workman's comp". However they are pretty much like most other insurance companies.

We all have some kind of insurance. Automobile insurance is required in virtually all states and now proof of same is required to be carried and presented when contacted by police or renewing plates etc. Most of us have some sort of life insurance and now under the Federal Government, we all are required to have health insurance to meet certain minimums and it must be declared on your annual tax filing or a penalty paid.

I dislike insurance as it always seems to me to be beting against yourself. I am also 70. As a retired professional LEO and firearms instructor, armorer and shooter, I have never considered CCW or shooting insurance. I know enough about the judicial system that by the time the criminal case is resolved in my favor, assuming there is one, and the family of John Q. Criminal gets an attorney and begins to file a lawsuit, it will be years down the road to resolution. When all the appeals and court work are over, I'll be in my 80's. Then they will eventually find out that I own nothing. My spouse and my children own everything. They can't get blood out of a stone. With the prevailing attitude concerning CCW's and self defense changing in this country, it is highly likely the civil action wouldn't succeed anyway. I am not going to spend any money on another insurance policy.
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I often thought of getting some kind of “insurance”, kinda just to CMA.
But then I, like so many others my age have done, have signed everything I own over to others. So yes, I basically own nothing. And yes they are trustworthy people.
I do carry in my car, where I legally can. The purpose is more for any type of civil disturbance when traveling. In today’s political atmosphere we need to be able to protect ourselves and family when on the road. I find though that, I travel less and less to places that at one time where friendlier than they are now.
Just my $0.02 worth of conversation.
 
Muss Muggins said:
I'd like to hear from somebody who has made a claim . . .
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This is a very important question when seeking any kind of insurance.

There is a company I'm interested in called Legal Shield. They cover all kinds of things, not just gun stuff. I know a guy who has them and has made a "claim" and was very satisfied with the service he received. So, good coverage is out there.

Another way to look at this is cost vs benefit. At $40/month, if you keep the insurance for 20 years and never use it, you will have paid $9,600. Any court case over a shooting will likely run you $50K or more. So, yeah, if you never need it, you're out some money. If you need it, it's the difference between being financially ruined and being OK.
 
I wonder if I could start a CCW insurance company with the business model being that our attorneys WILL represent you, however we'll always direct you to plead guilty as a [hidden in the fine print] condition of representation.

A guilty plea will always be considerably less expensive.

I wonder if we'd be copying any of the other insurers?
 
Mainsail said:
I wonder if I could start a CCW insurance company with the business model being that our attorneys WILL represent you, however we'll always direct you to plead guilty as a [hidden in the fine print] condition of representation.

A guilty plea will always be considerably less expensive.

I wonder if we'd be copying any of the other insurers?
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You don't need a lawyer if your plan is to plead guilty.

Also, you cannot sign away, (in advance), your right to a vigorous defense.

Any lawyer who tried to pull what you are suggesting would quickly find themselves disbarred.
 
Well, after some reading here, comparing, and watching some videos, I joined. Something I hope I never have to use. I have a couple Lawyers I could call but from what I see that wouldn’t keep me from loosing all I have. I feel better now.
 
coachray said:
After doing more research I will not use CCWSafe. I have corresponded by email with them more than once and they won't simply tell me if they have a lawyer in my city, which would allow for a quick response if the situation should arise.
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Really, do you think they, or anyone else, has attorneys in every city in the US? They have an 800 number to call to get you an attorney. And I'm sure they have attorneys in every STATE that can be used, it's not about a city. In your case find one you like, but when you travel out of your city, then what?
 
Johnrh said:
Really, do you think they, or anyone else, has attorneys in every city in the US? They have an 800 number to call to get you an attorney. And I'm sure they have attorneys in every STATE that can be used, it's not about a city. In your case find one you like, but when you travel out of your city, then what?
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Beyond that, they are endeavoring to establish relationships with attorneys with experience in this particular arena. Not just criminal defense in the broadest sense, but (successful) criminal defense in self-defense cases.

Anyway, to each his own. You can only put the information out there for folks to consider (or not). What they do is theirs to choose.
 
Just conjecture...I was thinking that, since there are so many Lawyers around, that many in this field sign on to these Firms just to bring in additional income. I don’t know how much they get paid, but I’m sure it’s a negotiated fee. Just keeping their hook in the water, so to speak. In reality, the odds of them getting a case from these Firms is about the same as us becoming involved in a Self Defense shooting...extremely small.
 
Czechvar said:
Just conjecture...I was thinking that, since there are so many Lawyers around, that many in this field sign on to these Firms just to bring in additional income. I don’t know how much they get paid, but I’m sure it’s a negotiated fee. Just keeping their hook in the water, so to speak. In reality, the odds of them getting a case from these Firms is about the same as us becoming involved in a Self Defense shooting...extremely small.
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Yes and no. With CCW Safe alone having roughly 40,000 members, (from what I read recently), the odds of some of their affiliated attorneys getting work are a bit higher than our own odds of needing their services.
 
blues7 said:
Yes and no. With CCW Safe alone having roughly 40,000 members, (from what I read recently), the odds of some of their affiliated attorneys getting work are a bit higher than our own odds of needing their services.
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Yeah, but that's a pretty good deal for them. If every member is paying $40/month, that's $1.6M/month they're bringing in. $19.2M/year is pretty decent income for a service that has a very small likelihood of being needed.

Ultimately, it can be good for them and good for us. The more members they have, the lower the cost should be. I doubt they intend to lower their premiums though.
 
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