Get A Legal Defense Plan.

[Kleanbore]

None of that makes sense.

I'm all ears.

 

[DeepSouth]

I'm all ears.

The ears are the problem.
I think I’ve said all I need, y’all can have this one.

 

[Kleanbore]

But even if you're correct. Let's say a self defender is acquitted of a crime, then someone files a civil suit. The judge immediately dismisses the case, as is required by law,

The judge in the civil immunity hearing dismisses the case if he (the court) finds the defensive act to have been lawfully justified.

While that may not be a really difficult question, it is not the same as saying that a criminal court did not find that the prosecution had proved beyond all reasonable doubt that that the act had not been justified.

In law, the distinction is fundamental.

Even if the outcome of the civil immunity hearing seems nearly certain, the defendant will not want to go into it without legal representation.

and the person filing the suit is then charged with breaking the law...

No. He may have to pay the defendant's expenses and court costs, but he will have broken no laws.

 

[old lady new shooter]

Interesting thought, and I had same one, which is why if I add coverage, it will be with ACLDN who claim NOT to be insurance

https://www.armedcitizensnetwork.org/

I think all of them insist that they are NOT insurance companies but rather "prepaid legal defense plans" or something. The only actual insurance product is the CCW Safe civil liability protection, not even their regular coverages.

 

[Madcap_Magician]

I think all of them insist that they are NOT insurance companies but rather "prepaid legal defense plans" or something. The only actual insurance product is the CCW Safe civil liability protection, not even their regular coverages.

They are structured that way because insurance companies are regulated at the state level in a way that the legal aid subscription companies for gun owners aren't set up to comply with. This is actually why none of them can operate in Washington state - the insurance commissioner and state government are of the opinion that CCW Safe, USCCA, etc. are operating as insurance companies, and if they were to operate in Washington, they'd be facing hostile regulation.

 

[D.B. Cooper]

I suppose could try to explain it in more detail, but somehow I don’t think you’re interested in understanding.

For me, it was the wording and sentence structure that made your post difficult to understand-especially the first half of your post. The analogy of the stitches I understood. You're basically saying that insurance isn't going to cover full replacement value and "make you whole" (which is usually the case) so you're still in a pickle. But I look at that and think, where will I be with no insurance at all. But at this point, we're kind of getting away from legal defense pans and discussing insurance in general.

 

[old lady new shooter]

They are structured that way because insurance companies are regulated at the state level in a way that the legal aid subscription companies for gun owners aren't set up to comply with. This is actually why none of them can operate in Washington state - the insurance commissioner and state government are of the opinion that CCW Safe, USCCA, etc. are operating as insurance companies, and if they were to operate in Washington, they'd be facing hostile regulation.

 

[wayneinFL]

If I knew I would I would lose my job and essentially be unable to get another one if my house burned down, I probably wouldn’t have fire insurance either…. Assuming that was an option.

that’s the biggest part of the equation to me, with the protection or not I’m screwed. It’s kind of like a guarantee to put 5 stitches on a bleeding wound that requires 15… you’re still gonna bleed out.

I see your point, the costs that the insurance can't cover. Look at Zimmerman. His legal defense was eventually paid for, but to live what kind of life? And who is ever going to hire the guy?

Still, the insurance isn't going to hurt.

 

[Matthew Temkin]

I would be concerned that, as with insurance companies, if you have two, each one will claim that the other one is "primary," and neither will cover.

Neither are true insurance companies—they are peer funded.
Both will work together to split costs.