Self-defense insurance or subscription legal services?

[Madcap_Magician]

Obviously there are a bunch of different organizations offering subscription-based legal aid for permit holders involved in criminal or civil cases arising from a claim of self-defense use of force or threat of force.

Anyone have feedback on the different options or whether you feel like this is a worthwhile investment?

I recently signed up for a year of coverage from CCWSafe, I liked that it pays most expenses up front and a lot of important categories don't have a cost cap. It seemed very reasonable at a discount of $188.10/year.

 

[CapnMac]

Like most everything else in the world of firearms, there's no one-size-fits-all solution.
So, it becomes a matter of choice.
Of weighing one's individual needs and abilities and situation--and making the best informed choice they can.

 

[giggitygiggity]

CapnMac is right.

I would make sure that I have good house, renters, personal property, and car insurance before looking at concealed carry insurance as statistics show that you are more likely to get in a car wreck, sustain house damage, or have a valuable stolen/lost/damaged than face legal trouble as a result of carrying/using a gun. But like Clint Smith says, even though a house fire is more likely than a home invasion, people in the gun community seem to keep a handgun in their nightstand instead of a fire extinguisher.

All that said, under $200 annually seems very affordable so long as it meets your needs.

I am not trying to steer you away or belittle people who have carry insurance. Instead, I’m just trying to put things in perspective.

 

[Craig_AR]

Tuesday, 08 December 2020 21:06
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[bullseye308]

I compared them all and decided for me and mine USCCA did what I needed. I pray I’ll never need then, but like any other insurance, ‘‘tis better to have and not need than to need and not have.

 

[Madcap_Magician]

CapnMac is right.

I would make sure that I have good house, renters, personal property, and car insurance before looking at concealed carry insurance as statistics show that you are more likely to get in a car wreck, sustain house damage, or have a valuable stolen/lost/damaged than face legal trouble as a result of carrying/using a gun. But like Clint Smith says, even though a house fire is more likely than a home invasion, people in the gun community seem to keep a handgun in their nightstand instead of a fire extinguisher.

All that said, under $200 annually seems very affordable so long as it meets your needs.

I am not trying to steer you away or belittle people who have carry insurance. Instead, I’m just trying to put things in perspective.

It was actually kind of a part of my overall review of my insurance policies. I have really good car insurance, but I've been reviewing my renter's insurance as well. My renter's insurance, CCW 'insurance' and my additional legal assistance insurance are all minimal monthly expenses in the $10-15 range.

 

[SimonRL]

I have coverage with USCCA and I do the “do I really need this” dance at least once a year, but I have an associate who is former SWAT and now a tactical firearms trainer and he tells all his classes if you have a firearm to protect yourself, even though it’s unlikely you’ll ever need it, you ought to have coverage. The costs involved in legal fees while determining a righteous shooting alone can be enough to bankrupt the average person.

 

[nettlle]

I have been a member here for a few years:

https://www.secondcalldefense.org/

 

[PapaG]

Member of USCCA since 2016, the year our backward state allowed concealed carry in a few places.