Posted 17 July 2013 - 11:18 AM
I'm a member at the Armed Citizen's Legal Defense Network run by Marty and Gila Hayes with a lot of contribution from Mas Ayoob. I think it has some advantages over "insurance."
First, it's a network. They're not selling you insurance. You're joining a group not unlike Illinois Carry in some ways, with a forum to discuss self-defense and legal questions, and access to a national network of self-defense attorneys.
Second, they will front up to $10,000 initially to hire attorneys and investigators ASAP after a shooting.
Third, they have contacts with expert witnesses (like Ayoob, although if you want him to testify for you, might as well just take his class.)
Fourth, although I wouldn't tell anyone not to buy insurance, there are caveats.
As someone pointed out above, liability insurance covers negligence, NOT intentional acts. If your story is that you were holding a burglar at gunpoint, put your finger on the trigger, and the next thing you knew, gosh, it just went off, then maybe you can get a homeowner's policy to cover that under liability. Maybe not. What it's NOT going to cover is any event where your claim is that you fired in self-defense. That's intentional action, and the liability clause doesn't care whether it was justified or not, only whether it was intentional. They don't have to pay, and they won't.
You also have to watch out for the fact that insurance plans can be eager to settle on your behalf. It's not their job to get you acquitted, but to pay as little as possible on average. Remember that George Zimmerman's HOA had insurance, and they paid a couple million dollars out before his trial.
Ayoob warns that many defense attorneys have never defended an innocent client, and sometimes it's even worse if they're the high-flying gunslingers who get mobsters off. I feel just as wary of insurance schemes. I'd be very careful.
There are also complete frauds out there, so it's not like you don't have to watch out for those. There was a member here, once upon a time, who went on to sell memberships in a fake defense network that made some high-flying promises it couldn't have delivered. Luckily, as far as I know, none of his "members" ever had to call on those services. He also sold fake devices to be plugged into the electrical outlets in your home; they were supposed to keep the radiation/magnetic fields from the outlets from giving you cancer and other diseases.
Be careful out there!
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March 5, 2014
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