NacsMXer Posted April 8, 2014 at 03:30 PM Share Posted April 8, 2014 at 03:30 PM Now that some of us have our permits in hand, I was wondering who else is thinking about some type of insurance/legal service to cover your legal expenses in the event that you have to lawfully use your CCW. I have done some research so far and have looked at CCW Safe, USCCA, Armed Citizens Legal Defense Network, etc. I'm still undecided as far as which route I want to go with. What are you fellow responsibly armed citizens planning on going with? Link to comment Share on other sites More sharing options...
TyGuy Posted April 8, 2014 at 03:41 PM Share Posted April 8, 2014 at 03:41 PM I have all of them marked out to do some more search. I am thinking USCCA and the ACLDN, but I haven't decided yet. Also, the NRA has some through Lockton Link to comment Share on other sites More sharing options...
AlphaKoncepts aka CGS Posted April 8, 2014 at 03:52 PM Share Posted April 8, 2014 at 03:52 PM NRA has through Lockton but they reimburse you, you have to pay upfront. I don't know all the details. Armed citizens legal defense network isn't really insurance. ACLDN pays $10k retainer to your lawyer and the rest is on you. However you may apply for an ACLDN grant to pay for the rest, but there is no guarantee you'll get it. There are others like SPRISKA, and I am sure a ton I am not familiar with. I haven't yet looked into CCW Safe or USCCA yet. Link to comment Share on other sites More sharing options...
Windchaser Posted April 8, 2014 at 04:07 PM Share Posted April 8, 2014 at 04:07 PM I have been considering Second Call Defense. One good thing about them is that they pay up front. Sent from my iPhone using Tapatalk Link to comment Share on other sites More sharing options...
BIGDEESUL Posted April 8, 2014 at 04:09 PM Share Posted April 8, 2014 at 04:09 PM I believe 2nd call is through lockton as well. They seem to have the best coverage for the price, along with paying up front. Link to comment Share on other sites More sharing options...
Drylok Posted April 8, 2014 at 04:17 PM Share Posted April 8, 2014 at 04:17 PM No just a 2a friendly attorney available. Wonder if the first juf guy in chicago had comceal carry insurance Link to comment Share on other sites More sharing options...
III Posted April 8, 2014 at 04:35 PM Share Posted April 8, 2014 at 04:35 PM I have USCCA....love their magazine. ETA: I still need to identify a good 2A attorney in the StL area Link to comment Share on other sites More sharing options...
spec5 Posted April 8, 2014 at 04:38 PM Share Posted April 8, 2014 at 04:38 PM Topic covered here. http://illinoiscarry.com/forum/index.php?showtopic=46689&hl=insurance&do=findComment&comment=690671And herehttp://illinoiscarry.com/forum/index.php?showtopic=43782&hl=insurance&st=0 Link to comment Share on other sites More sharing options...
Craigcelia Posted April 8, 2014 at 05:16 PM Share Posted April 8, 2014 at 05:16 PM NRA Lockton Affinity. Some will say why bother with insurance because then they (legislature) will mandate it. I want to protect my assets. Link to comment Share on other sites More sharing options...
Varun Posted April 8, 2014 at 05:28 PM Share Posted April 8, 2014 at 05:28 PM The main benefit of the ACLDN is their expert witness board - Massad Ayoob, John Farnam, Dennis Tueller, Jim Fleming, Tom Givens & others(all of which are available to you at no cost during your legal defense), and their ability to get legal defense started immediately after an incident. Basically they will help with winning your legal battle. All of those guys are huge names who can make a significant impact on the trial proceedings. Also their educational dvds are really helpful. I wouldn't rely on them however as an insurance fund. While they may decide to re-imburse you, that really isn't the point of the organization. I have the NRA lockton insurance as well to cover that. Link to comment Share on other sites More sharing options...
mctheriot Posted April 8, 2014 at 05:32 PM Share Posted April 8, 2014 at 05:32 PM Armed Citizens Legal Defense Network This was a great investment if only for the training. With your first membership they send you 5 (or 6) DVDs ranging in topics from awareness and self defense to how to deal with the LEO and emotional impact of a defensive gun use. Not exactly insurance though. They will provide up to 10K ASAP to retain an attorney and begin investigations for you. If you need it, they will also dispatch a team lead to you for "boots on the ground". Consultations and expert witnesses will to available to your attorney. Now, while not insurance, there is a defense fund that the board can decide to use to cover your defense. They make no promises, but reading between the lines, it seems that if they agree that you situation was justified - you'll probably get help. Along with this, I added USCCA basic level to augment and provide more civil protection. Mark Link to comment Share on other sites More sharing options...
cjurczak Posted April 8, 2014 at 06:20 PM Share Posted April 8, 2014 at 06:20 PM Does anyone else think that by having one of these coverages, would make you look bad in court? Link to comment Share on other sites More sharing options...
bmyers Posted April 8, 2014 at 06:20 PM Share Posted April 8, 2014 at 06:20 PM As I have stated in other threads, we opted for the Second Call Defense. It appears to meet our needs with the best coverage in the price range we were willing to pay. http://www.secondcalldefense.org/plans-and-pricing Link to comment Share on other sites More sharing options...
III Posted April 8, 2014 at 06:23 PM Share Posted April 8, 2014 at 06:23 PM Does anyone else think that by having one of these coverages, would make you look bad in court? After seeing what Zimmerman went through....I don't know.....all I do know is that I personally do not have the level of cash on hand to fight some over-zealous prosecutor. Either way, I hope to never need to use it. And, I would rather piss that money away on some sort of SHTF insurance policy than at the local boats/casino. Link to comment Share on other sites More sharing options...
Indigo Posted April 8, 2014 at 07:50 PM Share Posted April 8, 2014 at 07:50 PM Does anyone else think that by having one of these coverages, would make you look bad in court?Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart. Link to comment Share on other sites More sharing options...
Hipshot Percussion Posted April 9, 2014 at 02:16 AM Share Posted April 9, 2014 at 02:16 AM Does anyone else think that by having one of these coverages, would make you look bad in court?Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart. +1 Link to comment Share on other sites More sharing options...
TheDaveFactor Posted April 9, 2014 at 02:17 AM Share Posted April 9, 2014 at 02:17 AM Does anyone else think that by having one of these coverages, would make you look bad in court?Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart. +1 I'm pretty sure they don't allow Insurance to be discussed in a civil liability case, it is considered prejudicial to the jury. Might be different in a criminal case. I'm not a lawyer, and I'm prepared to be proven incorrect. Link to comment Share on other sites More sharing options...
Rieger Posted April 9, 2014 at 02:23 AM Share Posted April 9, 2014 at 02:23 AM I went with USCCA. Got their middle the road plan. $18/mo. $250k total in coverage. Hope I never need it. Also found what I think is a good pro 2a lawyer from Hinsdale. He is in process of getting his C&S permit too. Link to comment Share on other sites More sharing options...
Weed Posted April 9, 2014 at 04:38 AM Share Posted April 9, 2014 at 04:38 AM I've got USCCA but it's almost time to renew and I'am going to look at ACLDN. Link to comment Share on other sites More sharing options...
BigJim Posted April 9, 2014 at 01:22 PM Share Posted April 9, 2014 at 01:22 PM I thought someone once said there was a website that compared these companies side by side making it easier to choose one. Anyone know about it? Link to comment Share on other sites More sharing options...
TyGuy Posted April 9, 2014 at 01:44 PM Share Posted April 9, 2014 at 01:44 PM Wrong thread, sorry Link to comment Share on other sites More sharing options...
TyGuy Posted April 9, 2014 at 01:45 PM Share Posted April 9, 2014 at 01:45 PM Ill make an excel comparison and post it here later this week Sent from my iPad using Tapatalk HD Link to comment Share on other sites More sharing options...
III Posted April 9, 2014 at 01:48 PM Share Posted April 9, 2014 at 01:48 PM Ill make an excel comparison and post it here later this week Sent from my iPad using Tapatalk HD You're a good man. Link to comment Share on other sites More sharing options...
TyGuy Posted April 9, 2014 at 01:50 PM Share Posted April 9, 2014 at 01:50 PM Awww, such kind words on my Bday. Sent from my iPad using Tapatalk HD Link to comment Share on other sites More sharing options...
III Posted April 9, 2014 at 01:54 PM Share Posted April 9, 2014 at 01:54 PM Well then....Happy Birthday Mr. President. Link to comment Share on other sites More sharing options...
Weed Posted April 9, 2014 at 04:57 PM Share Posted April 9, 2014 at 04:57 PM Ill make an excel comparison and post it here later this week Sent from my iPad using Tapatalk HDThanks that will help me make up my mind. Link to comment Share on other sites More sharing options...
jobes Posted April 9, 2014 at 08:04 PM Share Posted April 9, 2014 at 08:04 PM My home owners says they'll cover me what ever that means. Link to comment Share on other sites More sharing options...
Windchaser Posted April 9, 2014 at 08:09 PM Share Posted April 9, 2014 at 08:09 PM My home owners says they'll cover me what ever that means. I doubt very much they would cover legal fees to defend a DGU or an over zealous prosecutor. About all they would cover are the guns themselves and possibly a civil suit for an accidental shooting. Home owners insurance very rarely if ever cover criminal matters. Sent from my iPhone using Tapatalk Link to comment Share on other sites More sharing options...
sangiovese Posted April 9, 2014 at 08:28 PM Share Posted April 9, 2014 at 08:28 PM Some (not all) homeowners policies will cover civil matters (e.g. wrongful death lawsuit). None will cover criminal defense. So if the prosecutor believes the shooting was not self-defense and you are indicted/tried, then your homeowners insurance will do nothing for you. Link to comment Share on other sites More sharing options...
BigJim Posted April 9, 2014 at 08:31 PM Share Posted April 9, 2014 at 08:31 PM As long as we're on the topic, how much insurance are people taking?I've seen civil suit limits from 50,000 to 1,000,000 and criminal defense coverage from 10,000 to 100,000. Link to comment Share on other sites More sharing options...
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