Carry Insurance?

[340pd]

For my requirements I have narrowed it down to two (ccwsafe and ACLDN) and ccwsafe is the direction I will probably go. My neighbor and close friend is a founding partner in a local law firm and he looked over both plans saying the need for some protection/assistance like this would be of great value in the event of a unexpected need to defend yourself and the inevitable aftermath. He indicated if murder charges were thrown about, $25,000 MIGHT be enough retainer to even obtain a good lawyer to PREPARE to go to trial.

Please everybody understand I have no dog in this fight nor do have any association with any of the players in this field. I am just a retired slob that carry's a gun to protect myself and my family. I would prefer not to see 50 years of saving go to an attorney when for $130/yr or less I have a chance of greatly minimizing that outlay.

List of coverage e-mailed me a couple of days ago from CCWsafe,





-NO CAP ON CRIMINAL DEFENSE FUNDS

-IMMEDIATE BAIL BONDS BETWEEN 250,000 BOND OR UP TO 1,000,000.00 COVERED
-NO CAP ON IMMEDIATE LOCAL ATTORNEY RETAINER
-NO CAP ON CIVIL DEFENSE FUNDS REGARDLESS OF GUILTY VERDICT
-CRIMINAL RESPONSE COORDINATOR FORMER HOMICIDE DETECTIVE
-NO CAP ON ATTORNEY FEES FOR INTERROGATION & GRAND JURY TRIAL
-MISTRIALS, RETRIALS AND APPEALS COVERED AT NO COST TO MEMBER
-1OO% UP-FRONT, NO OUT-OF-POCKET COST
-ALL LEGAL WEAPONS COVERED IN 50 STATES
-NO CAP ON INVESTIGATOR COSTS
-NO CAP ON EXPERT WITNESS COSTS
-FAMILY PLAN/HOME DEFENSE PLAN OPTIONS AVAILABLE
-USE OF FORCE FOR THIRD PARTY IN DEFENSE OF LIFE COVERED
-ALL STATES COVERED THAT HONOR CCW PERMIT THROUGH RECIPROCITY
-UP TO 3,000.00 COVERAGE FOR CRIME SCENE CLEAN-UP FOR HOME
-FIREARM REPLACEMENT EQUAL TO CALIBER DURING TRIAL
-24/7/365 CALL CENTER WITH IMMEDIATE ATTORNEY CONNECTION
-U.O.F. WITHOUT WEAPONS (HANDS) IN DEFENSE OF LIFE COVERED
-VICIOUS ANIMAL ATTACKS IN DEFENSE OF LIFE COVERED
-COVERED IN ALL 50 STATES IN VEHICLE DURING LEGAL TRANSPORTATION
-RETIRED/ACTIVE DUTY LAW ENFORCEMENT DISCOUNT PLANS AVAILABLE
-QUALIFIED L.E. AND MILITARY THROUGH LEOSA COVERED IN 50 STATES
-RETIRED/ACTIVE DUTY MILITARY DISCOUNT PLANS AVAILABLE
-ALL 50 STATES WHERE YOU CAN POSSESS A FIREARM WITHOUT A PERMIT
-VACATION HOME, R.V., HOTEL COVERAGE SAME AS HOME COVERAGE
-NETWORK AND NON-NETWORK LOCAL ATTORNEYS CONTRACTED
-PROVISIONAL TERMS FOR SPOUSES WITHOUT PERMIT AVAILABLE
-ON SITE CRITICAL RESPONSE TEAM FOR DEADLY FORCE CASES
-ATTORNEYS PROFESSIONALLY SELECTED BY NATIONAL TRIAL COUNSEL
-PEER SUPPORT ON SITE/PHONE - TIME OF INCIDENT UNTIL END OF TRIAL
-EXPERT WITNESS COORDINATION AND ALL FEES PAID FOR BY COMPANY
-UP TO 250/DAY WAGE LOSS COVERED WHILE IN CRIMINAL & CIVIL TRIAL
-LEGAL AND TRAINING ADVISORY BOARDS
-PSYCHOLOGICAL SUPPORT WITH UP TO 10 SESSIONS OF COUNSELING

-PROVISIONAL TERMS FOR THOSE WAITING ON PERMIT TO ARRIVE
-24/7/365 CALL CENTER FOR NON-EMERGENCY SUPPORT
-CUSTOMER CARE SPECIALISTS WITH LAW ENFORCEMENT EXPERIENCE
-COVERAGE FOR ACTION AGAINST PERMIT FOLLOWING USE OF FORCE

-ONSITE AND ONLINE EDUCATION & TRAINING FOR MEMBERS
-NEWSLETTER AND SOCIAL MEDIA ENGAGEMENT FOR ALL MEMBERS
-DIGITAL AND PLASTIC WALLET MEMBERSHIP CARDS AVAILABLE

[knkali]

I am glad that your research came to the same conclusion as mine that CCW SAFE seemed to give the most bang(sic) for the buck

[Longitude Zero]

I am glad that your research came to the same conclusion as mine that CCW SAFE seemed to give the most bang(sic) for the buck

Agree with both of you.

[340pd]

As of July 4 I went with CCWSafe. They offer the coverage I thought I may need at a reasonable price. The second place choice was ACLDN which was a close second and I feel is actually better at helping its members with training videos etc. CCWSafe is very clinical and you do everything online with zero followup from them to date. Membership card is digital and hopefully I will never need it.
I never even considered the offering from the NRA because I feel it is hypocritical for them to ask for corporate membership and then undercut them by getting into the business that their members have created from scratch. Some carry insurance companies were actually denied a boot at the annual NRA convention. At that point the NRA has eliminated any future contributions from me. From now on I will give my national donations to the second amendment foundation which actually litigates as opposed to trying to profit from their donated money.

[DM123]

To me it looks like a total waste of money. Something the average person will never use in their entire lifetime. Kind of like buying Lightning Insurance and never leaving your house. How many people do you know that have had to defend their self in court for gun related offenses?

Agree. If I had insurance for every possible occurrence and pay taxes and give to the church, I would have nothing left.

Another factor, I don't live in a liberal Mecca. It would take a very strong case against me to get 12 jurors to find for the Plantif.

[AIRret]

berettabone………I have thought about a reverse law suit MANY, MANY, MANY Times!!!!!!
The second last thing I EVER want to do is shoot someone……BUT if my life, my family or friends are in SERIOUS trouble……or if I'm in the middle of a mass shooting/terror attack I'm all in. I can't imagine NOT reacting to those/that kind of situation.
Even in a 100% "good" shooting the stress (verified scientifically) is over the top. I would sue for emotional trauma, and or any other stress, EVEN if I hadn't had a civil suit charged against me. It is what it is…..I didn't bring the situation on….the bad guy did!!!

A good idea................I got to thinking.................I've never heard of a reverse lawsuit, in the news or on paper. That is, if I must use my firearm in self defense, and the person lives, they will probably try to sue me in civil court. If they die, their siblings will probably sue me in civil court ie. parents. In this situation, I believe I would also open a civil suit against this person, for putting me in that position or circumstance in the first place, and forcing me to do something that I didn't want to do, to save my own life. I've never heard of this happening. Doesn't mean it hasn't. Might be a reason??????????

[Bawanna]

I want you on my team darling. Sadly society and lawyers favor the bad guy nearly always. They were abused, mistreated or not breast fed as a child and it's society's fault ya know.

While I totally concur with your idea of a reverse lawsuit, completely justifiable in my mind, that involves lawyers, so I'm out.

[AIRret]

I want you on my team darling. Sadly society and lawyers favor the bad guy nearly always. They were abused, mistreated or not breast fed as a child and it's society's fault ya know.

While I totally concur with your idea of a reverse lawsuit, completely justifiable in my mind, that involves lawyers, so I'm out.

The lawyers would LOVE me…..I grew up in the same neighborhood as most of the bad guys! NOW you know why I have "attitude!!
I don't like lawyers, but I'll use any resource available to me!!!!!!!!!
Hey, if they think they can make a name for themselves, they just might beg for a chance to get involved!
Seriously, perhaps some gun rights organization "might" be interested in challenging some of these civil suits by bringing a law suit by the person who had to do the shooting!! Especially, if you sue first!!!!!! The emotional trauma, stress and worry caused by the bad guy SHOULD be punished.

[Bawanna]

Course we'll have to sue the family, if I shoot and certainly if you shoot the shootee ain't gonna be around for no lawsuit.

My good buddy down Arizona way says not to fool around when you got a gun in your hand. Seriously.

Didn't know you was from the hood.

[AIRret]

Oh yes….I'm grew up in the "Hood"! The 1967 Detroit riots came within one and and a half blocks of our house!
We had bars on our windows and hunting rifles near the doors….

The national guard was camps in a field across the street from the school I went to.
Jeeps with armed National Guards men were driving up and down our street about every hour.

While we lived in the neighborhood we were one of only two homes not successfully broken into…..WE had BIG dogs!

My street no longer exists. All the home have been torn down for about the last 5 or 6 years and the asphalt is broken up with weeds.

Oh, I have lots of stories…….
However, growing up in that area has taught me to pay attention very closely to my surroundings…..therefore I still benefited….I'm a survivor.
And yet, it sure would have been fun growing up in the country and hunting/fishing year round would have been great.

By the way, the prisoner and I have a friend that says all I have to do is have a gun in my hand and be in a shooting stance and the bad guy will be done!! I guess I look determined….but I love it.
Self defense is wonderful, but in a perfect world I would shoot anyway (target/hunt). It may sound silly, but I connect with shooting on almost a spiritual level.
I know that sounds weird…..but there it is.