Any recommendations for or against insurance for LTC holders? Thanks in advance.

It's a very rare situation where you'll have to use your weapon in a self defense situation. I decided that if I do end up in that situation I want to choose my lawyer not whoever the insurance company has contracted.

RCR06 said:

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It's a very rare situation where you'll have to use your weapon in a self defense situation. I decided that if I do end up in that situation I want to choose my lawyer not whoever the insurance company has contracted.

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Why not both? /CuteLittleBrownGirl

That goes to the rarity of the situation. To me it's not worth paying the insurance for such a rare situation. That's my personal decision and why I made it. Not saying that's what everyone should do.

I'm not going to say it's a scam, but it's almost a scam.

Umbrella insurance policy is way more useful.

RCR06 said:

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That goes to the rarity of the situation. To me it's not worth paying the insurance for such a rare situation. That's my personal decision and why I made it. Not saying that's what everyone should do.

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Honestly, I don't know what the insurance costs. In the end insurance is simply a financial risk management tool (contrary to what our government thinks regarding healthcare). If you choose not to get coverage that is a personal choice. That said, I would hate to meet financial ruin paying the court costs associated with defending myself or my family.

Burdizzo said:

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RCR06 said:

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That goes to the rarity of the situation. To me it's not worth paying the insurance for such a rare situation. That's my personal decision and why I made it. Not saying that's what everyone should do.

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Honestly, I don't know what the insurance costs. In the end insurance is simply a financial risk management tool (contrary to what our government thinks regarding healthcare). If you choose not to get coverage that is a personal choice. That said, I would hate to meet financial ruin paying the court costs associated with defending myself or my family.

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The most popular one you'll hear people talk about is texas law shield/us law shield. As stated above it's a little shady. It has so many limitations that even if you did have it you'd end up paying a lot out of pocket if you really got in a bad situation where you went to trial.

Thanks. Good to know.

Umbrella policy mentioned above sounds better, and I had not considered that.

Yeah, same here

Long term care insurance? Probably more important than "bad shoot" insurance. Especially if you are a father of 4.

Pass it's a scam.....small print...they can drop off at any time. Usually before/after the grand jury.

If you own a home, check your home owners insurance policy to see if it has verbiage indicating coverage in instances of protection of self or similar. That with an umbrella policy is what two different firearm specialty attorneys have recommended to me.

There's a reason why many License to Carry instructors no longer allow carry insurance representative's to hock their plans in their classroom. Your chances of winning the lotto are better than the probability of being involved in a bad shoot.

RCR06 said:

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It's a very rare situation where you'll have to use your weapon in a self defense situation. I decided that if I do end up in that situation I want to choose my lawyer not whoever the insurance company has contracted.

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You beat me to it. I deal with attorneys all the time because of my job. I see tons of ones I would NEVER hire.

I would not want one hired by a service to be sent to me. I will call my own, thank you very much.

The q&a is pure gold though.

"Is there any way y'all can get this one game warden off my back?"

Burdizzo said:

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RCR06 said:

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That goes to the rarity of the situation. To me it's not worth paying the insurance for such a rare situation. That's my personal decision and why I made it. Not saying that's what everyone should do.

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Honestly, I don't know what the insurance costs. In the end insurance is simply a financial risk management tool (contrary to what our government thinks regarding healthcare). If you choose not to get coverage that is a personal choice. That said, I would hate to meet financial ruin paying the court costs associated with defending myself or my family.

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You would still be on the hook for most of the cost. The "insurance" doesn't cover you through the whole legal process.

Thank you for all of the advice. I appreciate it.

This is so weird

Is your sock fatherof4?

Edit

If yes, how do you deal with eating out with 6 when most places are set up for four

Soon after I got my CCW, I opted to buy concealed carry insurance because of some of the horror stories I had heard in the news and online about the after-effects of a lawful defensive shooting. Maybe I was suckered in by these scare tactics, but I still felt comfortable paying for it and having a little peace of mind.

For a while, I had NRA Carry Guard but dropped them only after a year. Most of their benefits such as legal fees and loss of wage coverage came in the form of reimbursement. So while I was covered for these kinds of things in a criminal or civil case, I was still responsible for the initial cost and only later on would I be comped on this. On a different side of things, I've become pretty fed up with the lacking 2A advocacy from the NRA in recent years so I was more than okay with leaving them for a competitor, which I did.

Last year, I moved to USSCA. Most of their benefits aligned with what the NRA offered but they paid upfront for fees or wages lost. They're a big advocate for education and their app keeps me up to date on all things guns in this country (namely gun legislation, unfortunately). They give you a list of attorneys in your area they recommend for defensive shooting cases, but you're able to choose your own if you have a personal preference as well.

My recommendation is if you can afford $30/month for peace of mind, then get it. If you one day have to defend yourself or your family, the last thing you need to worry about is figuring out how to defend yourself when you inevitably get sued by your attacker's family. It's unfortunate that this type of insurance is necessary, but it's the reality even in the most justified of shootings.

Hiring a lawyer to investigate, contact the DA and represent you through the grand jury process if it goes that far, is not that expensive. That's usually the point where this "insurance " stops. The expensive part comes after a grand jury true bills and the case goes to court.

Does anyone have any experience with "Firearms Legal Protection"?

Took our LTC class at Frisco Gun Club today, and they were pushing FLP pretty hard. From reading through their agreement, they'll cover any attorney fees through judgment (civil or criminal), but nothing for an appeal. And it's a direct pay to the attorney, not a reimbursement scenario.

They claimed we were getting a special price only for the class, but poking around on the internet found some codes that give the same rate. The only thing extra the class got was a lifetime price lock.

Of course they are pushing it......the gun club gets a cut of the action.

Pass.

Attorney fees are the least of your concern

It's my understanding that an Umbrella policy provides Another layer of coverage only for those coverages you already Have under a basic liability policy. It does not provide "new coverage." I've been concerned about this for a while. As has already been pointed out, if you get a policy be careful that you don't get a "reimbursement" type.
If for whatever reason your shot is not a "righteous" shotyou hit an innocent person or you hit property unintended, the protection And peace of mind of a policy Is well worth the premiums. I'm going to check out both the USSCA and Firearms Legal Protection. Thanks guys for the heads up on those two.