Carry Insurance?

[340pd]

Ya, NRA is promoting this but do any of you actually have any protection policy? Most of them are very expensive but....

A co-worker who has been to a number of training classes is a real believer of these guys who have a reasonably priced offering.
Tom Gresham of Guntalk radio and TV has been a promoter and member long before they became a sponsor of his show. They are a fund tied in with a host of lawyers and expert witnesses. They have an impressive list to show off.

In today's world something like this is starting to make sense to me.

What say you?

https://armedcitizensnetwork.org/defensefund

[CPTKILLER]

Do compare them carefully.

[Ed M]

Absolutely!

This outfit did a seminar at my local gun club. I took my Sister along - she's an attorney. She was very impressed with the program, and recommended I join up.

They get $10.95 a month - I pay per year. For an additional $20 per year, they include expert witness coverage, and bail bond coverage.

There is no additional charge if I need to use their services, period. If I need them, they provide a 24/7/365 1-800 number that goes to an experienced gun law attorney.

There are attorneys on call 24/7/365 in my town that are part of this program. They claim if you are involved in a self defense "situation" locally, and call them immediately, an attorney will be on scene for you before you get taken away.

They also cover civil suits 100%. The seminar ($10 to attend) is worth it just to learn the details of your state gun laws. It lasts 3 hours, and they cover a LOT of info. They encourage questions as well. The seminars are presented by local attorneys and retired local LEO's. I like the local "connection", but they also cover you while traveling.

I won't be without this coverage in today's world. Their advice - lawyer up, and shut up. Sound advice!

https://www.uslawshield.com/

[berettabone]

No bail bonds coverage unless you pay more....................................that's what you need most..................get out of jail right away. I don't want to be sitting in jail because I can't afford bail, while they're figuring out my defense.

[berettabone]

Ya, NRA is promoting this but do any of you actually have any protection policy? Most of them are very expensive but....

A co-worker who has been to a number of training classes is a real believer of these guys who have a reasonably priced offering.
Tom Gresham of Guntalk radio and TV has been a promoter and member long before they became a sponsor of his show. They are a fund tied in with a host of lawyers and expert witnesses. They have an impressive list to show off.

In today's world something like this is starting to make sense to me.

What say you?

https://armedcitizensnetwork.org/defensefund I did notice that the "board" decides if ANY monies will be released for your case, depending on the merit of the case. I want to know for sure that no matter what the circumstances, monies will be released for my defense, beyond me murdering someone. It's a problem with most of these insurance plans. They'll send a lawyer, but will they post your bail? It does no good to sit in jail, while a "board" decides whether your case has merit. Are they attorneys???? In most cases, no. In this case, one.

[Bobshouse]

Sorry to ask, but I don't have time to read the policy, what about civil lawsuits after your trial?

[340pd]

Sorry to ask, but I don't have time to read the policy, what about civil lawsuits after your trial?

Civil is covered as are expert witnesses. With respect to coverage, the plan I mentioned in the OP is not insurance but a fund. I want them to make sure every dollar that comes out of that fund goes to legitimate cases. If I am obviously in the wrong I would not expect them to pay for coverage. That alone makes me a bit more responsible.
It may be scary to buy but a whole lot more scary if you don't have it but need it.

[knkali]

FWIW CCW SAFE was the best out there when I did the compare. Bail is one rub, the other is that if found guilty, they don't pay. Usually they pay AFTER the verdict too. I would need the $ now not later. Also, does that mean that found guilty to a lesser charge gives them a way out of paying too? Most likely that is what will happen. I didn't want to test that so I went with CCW SAFE at the time. They were the only one that seemed to not have that stipulation. What I don't like is that you don't know who is going to be your defense layer at a time that you are fighting for your life again. I think that it is important to know who will be defending you and what their experience level is such cases. My 2 cents

[Ikeo74]

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?

[340pd]

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?
That may be the case but I can tel you a couple of stories where following a threat, just announcing you have a gun threw a guy in jail and without the legal defense fund he may have been convicted of felonious assault. Mr. Massad Ayoob was the guy who helped get him off. You may remember that name from the Treyvon Martin trial among others.

I spend more than the $15/mo. on coffee so the cost if reasonable is really not the factor.
Thanks Knkali,
I like the looks of CCWsafe and am having some people look into their program also.

[Bawanna]

There's lawyers involved. They decide if your case has merit. Count me out.

It's like insurance, they offer the moon and when you file a claim they have lawyers trying to figure out a way not to pay.

Do away with lawyers and you wouldn't need this in the first place.

Sorry O'Dell, but lawyers just are not my thing.

[berettabone]

There are definitely horror stories out there. This is why, if you ever feel the need to pull out your firearm in self defense, you really should go report the circumstance to the local LE. Before the other person goes to the station and tells them HIS/HER side of the story. I guess you could end up with a brandishing charge, which may affect your carry license. It's always he said she said in these situations. You have to hope that LE believes your story...................:o

[Bawanna]

Law Enforcement see's what is and generally will make an accurate call. Even in the Travon case, LE wasn't even going to file charges.

Enter lawyers and all bets are off. Now it's what they can portray and get prosecutors or jury to believe.

There's a pattern here, easy to see if you look for it.

[deadeye]

The few times I've filed a claim on one of my insurance policies it seems it covered everything but what happened to me. The times it did pay it was only a small percentage of the damages because of yada, yada, yada. "Party of the first part - party of the second part." It all sounds soooo good. Enter the lawyers. I haven't decided on it yet. And it is easy to become insurance poor.

[340pd]

Everybody hates lawyers until you need one.

[knkali]

Everybody hates lawyers until you need one.

so true but the sentiment, I think, Bawanna is trying to make is different.

[knkali]

please remember that these plans are NOT insurance. Insurance industry is regulated and has to be solvent incase lots of $ has to be paid out. With that that there are regs in place so that can happen. These plans have no such guarantee. SO you are taking chances right of the bat should you need any of these guys.

With that said, its like having a fire extinguisher. Most people never need one in their lifetime but are glad they have one when it was needed.

[Ikeo74]

i Have had my fire extinguisher for 33 years without ever needing it. I am sure glad I wasn't paying out $10 per month for it. If I need it now, it probably will not work, like the subject of this thread.

[Bawanna]

Everybody hates lawyers until you need one.

The only time a rational human needs a lawyer is to fight off somebody else's lawyer.

Eliminate the lawyer and you eliminate the problem. Who thinks up all these silly suits. Not humans. Lawyers.

Spill hot coffee on yourself and sue for millions.

[Longitude Zero]

fwiw ccw safe was the best out there when i did the compare. Bail is one rub, the other is that if found guilty, they don't pay. Usually they pay after the verdict too. I would need the $ now not later. Also, does that mean that found guilty to a lesser charge gives them a way out of paying too? Most likely that is what will happen. I didn't want to test that so i went with ccw safe at the time. They were the only one that seemed to not have that stipulation. What i don't like is that you don't know who is going to be your defense layer at a time that you are fighting for your life again. I think that it is important to know who will be defending you and what their experience level is such cases. My 2 cents

absolutely!!!

[Longitude Zero]

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?

Silly and uniformed blather looking like opinion. It is statistically rare for homes to burn down but I bet you have homeowners insurance. If you are true to your opinion why not cancel your homeowners policy as in your mind it is unlikely you will need it. GEESH!!!

[Ikeo74]

Silly and uniformed blather looking like opinion. It is statistically rare for homes to burn down but I bet you have homeowners insurance. If you are true to your opinion why not cancel your homeowners policy as in your mind it is unlikely you will need it. GEESH!!!

I bet you have Cancer Insurance to go along with your Medicare, Medigap, and Drug plans plus a Long term health care and prepaid burial plan, don't you. (Just kidding)

Edit: I forgot about Life Insurance too, and now you going to get "Self Defense" coverage..

[Bawanna]

I got my wife a pick and a shovel and enough money to do her grieving in the Bahama's.

Neighbor said no worries, he has a track hoe so he'll plant me deep. Never did like that guy.

[yqtszhj]

I got my wife a pick and a shovel and enough money to do her grieving in the Bahama's.

Now thats funny in a morbid sort if way.

Life insurance is cheap where I work so I carry quite a bit. I always tell my wife she'd be the Rich Widow Yqtszhj. Lucky for me most days she says she'd rather have me than the money cause if I wasn't here she would have to hire someone to fix stuff when it breaks.

[yqtszhj]

Spill hot coffee on yourself and sue for millions.

True story. My grandmother dumped a cup of hot coffee in her lap at McD's when I was little and got burned pretty bad. Only thing she said was $*i! And that she was stupid for being careless and spilling it on herself. Of course she was a tough self reliant farm lady and didn't ask for help or care much for the gubment unless they were needed to fight a war.

[Bawanna]

True story. My grandmother dumped a cup of hot coffee in her lap at McD's when I was little and got burned pretty bad. Only thing she said was $*i! And that she was stupid for being careless and spilling it on herself. Of course she was a tough self reliant farm lady and didn't ask for help or care much for the gubment unless they were needed to fight a war.

Too bad there weren't a lawyer around. You'd probably own McDonalds now.

I love your grandma, that's the way it should be. That's the way it used to be. We'll never see those times again.

[knkali]

I haven't seen this but thought I should post it for discussion(perhaps another thread)

https://www.youtube.com/watch?v=PAzMMKIspPQ

[340pd]

I think some of you guys are missing the point. If you are in a situation where you need a gun, there is a 99% chance you will need a lawyer following that encounter regardless of the seriousness of the offense. Those who doubt me read one of Massad Ayoob's books and you will discover how the simplest of situations can get you in deep kimchi with an over zealous prosecutor.

I have accumulated a fair amount of money much of it spent of women and guns (the rest was wasted) and the last thing I want to do is pay it our to some lawyer if I am involved in a "man with a gun" situation.

When I started this thread I looked into a few offerings and the best of them seemed to be a fund as opposed to what you are calling insurance. Insurance is the gun I am carrying. A fund is the money to get me our of trouble without taking everything have.

I am still consulting with some people far smarter than me but if something that is reliable and has costs somewhere around a couple boxes of handloaded .45's per month, the decision for me is a no brainer.

[deadeye]

True it is not real insurance. Kind of like the extended warranty racket. These folks couldn't care less about your well being. If they weren't making big money on this sort of thing they wouldn't be in the business. Still undecided. I think the best idea is becoming good buddies with a good? lawyer.:p

[knkali]

I think some of you guys are missing the point. If you are in a situation where you need a gun, there is a 99% chance you will need a lawyer following that encounter regardless of the seriousness of the offense. Those who doubt me read one of Massad Ayoob's books and you will discover how the simplest of situations can get you in deep kimchi with an over zealous prosecutor.

I have accumulated a fair amount of money much of it spent of women and guns (the rest was wasted) and the last thing I want to do is pay it our to some lawyer if I am involved in a "man with a gun" situation.

When I started this thread I looked into a few offerings and the best of them seemed to be a fund as opposed to what you are calling insurance. Insurance is the gun I am carrying. A fund is the money to get me our of trouble without taking everything have.

I am still consulting with some people far smarter than me but if something that is reliable and has costs somewhere around a couple boxes of handloaded .45's per month, the decision for me is a no brainer.

Yep, let us know what you buy and why. We can all learn from your hard research.

[Ed M]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED.

[berettabone]

True it is not real insurance. Kind of like the extended warranty racket. These folks couldn't care less about your well being. If they weren't making big money on this sort of thing they wouldn't be in the business. Still undecided. I think the best idea is becoming good buddies with a good? lawyer.:p 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??????????

[berettabone]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED. Everything you say makes perfect sense........................How will you know if you really can get a hold of an attorney with one phone call at 3 am on a weekend, unless you really have to make the call?????? I'd need a bit more to go on myself...............in a perfect world.

[Ed M]

Honestly, I hope I never have to find out.

At the seminar I went to, they stressed over and over that when you call their 1-800 emergency number, an experienced gun law attorney will answer. I never called 911 to "test it", but I sure hope that works too.

"Please press 1 for English....." I think I'd vomit.

On the membership card they give you, they also have a non-emergency # listed. I did call that once with a question on travelling out of state, and they were awesome.

[Barth]

Ya, NRA is promoting this but do any of you actually have any protection policy? Most of them are very expensive but....

A co-worker who has been to a number of training classes is a real believer of these guys who have a reasonably priced offering.
Tom Gresham of Guntalk radio and TV has been a promoter and member long before they became a sponsor of his show. They are a fund tied in with a host of lawyers and expert witnesses. They have an impressive list to show off.

In today's world something like this is starting to make sense to me.

What say you?

https://armedcitizensnetwork.org/defensefund

This particular one is one of the highest rated.
Mas Ayoob is affiliated with it.
$135 for one year didn't seem extreme to me.
I signed up a few days ago :)

Like others have stated.
We all hate lawyers - until we need to appear in court.
Then you damn well better have a good one.
This is America and the best lawyer wins.
That's just the way it is...

I remember like threads years ago so I will discontinue my well known rant - LOL!
:Amflag2:

[Ed M]

Why do they bury lawyers 10' deep instead of 6' deep?

Because deep down, they're good people too.....:yo:

[knkali]

When researching this topic, I consulted with someone I trust (my Sister). She's an attorney, but can't represent me in every situation I may need an attorney. She can and has had someone in her law firm do so for me at a greatly reduced rate (or free).

Two key points kept rising to the forefront in my decision of which "coverage" to get.

1 - Experience. Does your lawyer specialize in gun law cases?
2 - Can you get a hold of your lawyer at 3AM on a weekend?

I chose based primarily on those two points. I like the idea of being able to make ONE phone call, and having an experienced attorney show up ASAP, with a check for bail if needed.
What you say can and will be used against you in court. It's important to have a lawyer at your side ASAP.

No one wants to be involved in a situation where you have to defend yourself or others, but preparing crucial details of the aftermath beforehand gives some peace of mind, and is just sound logic.

Of course, how you do this is entirely up to you, but having a plan in place is better than having nothing. Knowing your local gun laws or those where you travel to is just common sense.

For about $150 per year, it's worth having the answers to these questions to me. I know what it costs, I know what it provides, and I know that ONE phone call is all it takes to get things moving in the right direction at a time where one is going through a highly stressful and traumatic life changing event. Pulling the trigger is just the first step in defending your life.

BE PREPARED.

agreed 110% however, u don't know you will get through at 3 a.m and how experienced is that attorney you get? Have we heard of ONE case where these plans have stepped in? One? Face it, we are buying hope. Some plans seem more hopeful than others. Other option....don't carry. I went deep down this rabbit hole regarding liability and the second threat to your life after you pull. Bawanna, LZ and a few others here and at home straightened me out.

[O'Dell]

There's lawyers involved. They decide if your case has merit. Count me out.

It's like insurance, they offer the moon and when you file a claim they have lawyers trying to figure out a way not to pay.

Do away with lawyers and you wouldn't need this in the first place.

Sorry O'Dell, but lawyers just are not my thing.

Not a problem, Bawanna. I quit the trade over 20 years ago, mainly because I feel the same way you do about the current condition of the law business.

[Ed M]

Here's a good video on how to be better prepared if you are involved in a self defense shooting:



https://www.youtube.com/watch?v=bqvtbrbG808

[340pd]

agreed 110% however, u don't know you will get through at 3 a.m and how experienced is that attorney you get? Have we heard of ONE case where these plans have stepped in? One? Face it, we are buying hope. Some plans seem more hopeful than others. Other option....don't carry. I went deep down this rabbit hole regarding liability and the second threat to your life after you pull. Bawanna, LZ and a few others here and at home straightened me out.

I have found if you call any of these guys they will give you actual cases where they have stepped in and done their job. I think each individual has to assess their comfort level and costs. I do know I will have some sort of protection and it may be hope but before I buy I will have the names of attorneys in my area and my neighbor who owns a law firm will fill me in on their expertise. I have covered this with my neighbor and he tells me you need a lawyer that specializes in gun defense.
The research goes on.

[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.

[Bawanna]

Weird is where I live, don't sound weird to me. I like to think I connect with guns on a spiritual level weather I even shoot them or not.
I love them all, older the better, weirder the better, if it goes bang, I want one.

[AIRret]

And I thought I was the only one to connect with guns and shooting on a spiritual level.

[Armybrat]

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.
Same here.

Besides, here in Texas if it is a good defensive shoot and you are no-billed, you are immune to a civil suit from the survivors - if any. It's part of our Castle Doctrine/Stand Your Ground law. :)

[340pd]

Please don't rely on the Castle Doctrine to get you out of anything. It is not the shooting, it is proving that it was justified, and none of us here have an understanding what a screwed up investigation or a misstep in your statement to the police will cost you in lawyer fees. I would like to think I am always in the right but an overzealous prosecutor will think otherwise. I have enough cash available to pay a couple hundred thousand dollar bail directly to the court knowing I will get most of it back come trial time but if I didn't, I would have to fork over $20,000 to the bondsman that I would never see again.

If you think you are safe from prosecution in TX, just contact the boys over at Texas Law Shield (http://www.texaslawshield.com/). They may have a differing opinion.

[Bawanna]

You have a couple hundred thousand dollars available? Hell yeah man. If I sold some stuff I might come up with 5 or 10 grand but that's optimistic.

[340pd]

I didn't say it wouldn't hurt. 401k dollars are a subject to taxation upon withdrawal. Taking $200k at once dumps you into an ugly tax bracket on that years income tax. Hence, $129/yr with CCW/Safe or most other plans takes all that away.

[DM123]

Here is something else to think about. If you have insurance for such a thing, would you be more likely to engage as opposed to jumping behind barrier, retreating? There are many places of business, parks towns, etc., that now post against CCW. Would your ionsurance company defend you if you accidentally stumbled into one of these places and used your weapon?

Several years ago, when our son was first starting to go out at night in his car, he forgot his key and broke in late at night. He got a major chewing out but thankfully I didn't shoot him.

Whether or not you have insurance, you need to consider your mindset carefully. I would hate to think just having insurance would make a person more likely to use his/her weapon.

[Ikeo74]

The door bell would have saved you from using your weapon too!:)

[jeepster09]

Weird is where I live, don't sound weird to me. I like to think I connect with guns on a spiritual level weather I even shoot them or not.
I love them all, older the better, weirder the better, if it goes bang, I want one.

This is for you...

https://www.youtube.com/watch?v=-TC2xTCb_GU

[DM123]

The door bell would have saved you from using your weapon too!:)

He was coming in past his curfew time. We had already gone to bed when I heard the "bump in the night". Teenagers don't always think with their mind.

On another note, most likely male teenagers think with another head.