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Prepaid legal insurance for gunowners

Posted on 3/6/13 at 3:30 pm
Posted by braindeadboxer
Utopia
Member since Nov 2011
8742 posts
Posted on 3/6/13 at 3:30 pm
I never knew about this until I read this article. Any OB'ers have a policy like this? Seems like something worth looking into. No doubt self defense cases can cost you some serious money with the government acting the way it is these days.

quote:

Beyond guilt or innocence, the case against Florida murder suspect George Zimmerman will undoubtedly leave him broke.

The controversial concealed handgun license holder made headlines last spring when he claimed he killed 17-year-old Trayvon Martin in self-defense during a violent scuffle. Zimmerman hasn’t worked in the year since the shooting and faces a mountain of debt to avoid a possible 25 years to life in prison.

“He’s going through $1 million of costs, and his life is being destroyed because he acted properly in the use of his weapon,” his attorney, Mark O’Mara, told Yahoo News. “Other people need to learn a very expensive lesson from George, in that you need to be careful even when you use your weapon properly.”

Gun owners seem to be heeding the message that, even in self-defense, pulling the trigger can be a costly proposition. Exact stats aren’t kept, but anecdotal evidence points to more gun owners proactively seeking legal assistance.

Around the country, a growing number of attorneys and gun-rights groups now offer prepaid legal plans for self-defense shootings. The programs, which are sold as either insurance or legal services, range from $100 to $300 a year and vary in coverage. Some reimburse set amounts for attorney fees, while others are like having a lawyer on retainer.

In Texas, 49,000 gun owners have signed on with the legal defense program U.S. Law Shield in less than four years. The firm made up of gun-rights attorneys recently expanded to Florida and Oklahoma. Last year, the NRA began selling self-defense coverage to its members. Oklahoma City attorney Doug Friesen now markets his prepaid services at YourGunLawyer.com.



Yahoo
This post was edited on 3/6/13 at 3:48 pm
Posted by Geauxtiga
No man's land
Member since Jan 2008
34401 posts
Posted on 3/6/13 at 5:51 pm to
quote:

his life is being destroyed because he acted properly in the use of his weapon,” his attorney, Mark O’Mara, told Yahoo News. “Other people need to learn a very expensive lesson from George, in that you need to be careful even when you use your weapon properly.”
Well, the other atty would disagree.
Posted by NimbleCat
Member since Jan 2007
9008 posts
Posted on 3/6/13 at 6:30 pm to
I have a policy. Texas Law Shield.
Posted by LouisianaChessie
Baton Rouge, LA
Member since May 2010
2582 posts
Posted on 3/6/13 at 7:17 pm to
I wonder if a judge would consider this in trial. Saying something to the effect of if you didn't plan on shooting why did you have insurance for just that. Dawg23 what's your take?
Posted by KingRanch
The Ranch
Member since Mar 2012
61759 posts
Posted on 3/6/13 at 7:20 pm to
That's kind of what I was thinking. It's like some sort of premeditation.
Posted by MoreOrLes
Member since Nov 2008
19472 posts
Posted on 3/6/13 at 7:26 pm to
quote:

a growing number of attorneys and gun-rights groups now offer prepaid legal plans for self-defense shootings.



Well gun legislation is probably safe if the attys can get something out of gun ownership
Posted by LouisianaChessie
Baton Rouge, LA
Member since May 2010
2582 posts
Posted on 3/6/13 at 7:28 pm to
I can assure you attorneys of this nation are not our problem. I would only assume most of the attorneys in this state at least are for gun rights

ETA in a seriousness if I could be assured it wouldn't be used against me and didn't cost all that much I would want in. Somebody that you've been paying for a while would surely go out of his way to come defend you
This post was edited on 3/6/13 at 7:31 pm
Posted by braindeadboxer
Utopia
Member since Nov 2011
8742 posts
Posted on 3/6/13 at 8:31 pm to
Good point on the premeditation issue. I'm sure a good lawyer could negate this though.
Posted by Ice Cream Sammich
Baton Rouge
Member since Apr 2010
10147 posts
Posted on 3/6/13 at 8:43 pm to
I am a lifetime member of the NRA, I am sure that they will back me, Pro Bono.
Posted by 10MTNTiger
Banks of the Guadalupe
Member since Sep 2012
4139 posts
Posted on 3/6/13 at 9:30 pm to
I believe the rules of evidence prohibit any mention of insurance policies held by the defendant. Of course it will vary with each state.

For example here is the Federal rule of evidence regarding ownership of insurance:

Rule 411. Liability Insurance

Evidence that a person was or was not insured against liability is not admissible to prove whether the person acted negligently or otherwise wrongfully. But the court may admit this evidence for another purpose, such as proving a witness’s bias or prejudice or proving agency, ownership, or control.

I would argue that it is analogous to car insurance, the fact that I buy full coverage does not mean I intend to get into an accident.
Posted by Ice Cream Sammich
Baton Rouge
Member since Apr 2010
10147 posts
Posted on 3/6/13 at 9:52 pm to
quote:

I would argue that it is analogous to car insurance, the fact that I buy full coverage does not mean I intend to get into an accident.


But do you think the investigators will look a bit harder after they realize that you bumped your coverage from the state min to full coverage?
Posted by drhuggybear
Member since Mar 2009
339 posts
Posted on 3/6/13 at 10:46 pm to
I have Legal Shield. Not CHL specific but CHL friendly :)

Includes identity theft, wills, etc. Well worth 26 a month IMO.1
Posted by 10MTNTiger
Banks of the Guadalupe
Member since Sep 2012
4139 posts
Posted on 3/7/13 at 7:29 am to
quote:

But do you think the investigators will look a bit harder after they realize that you bumped your coverage from the state min to full coverage?


They might, but really you would be in the same boat. If you do happen to have to shoot someone, it would be much more advantageous to have an insurance policy and money for a defense - rather than pinning your hopes on the good will of investigators. Regardless of criminal charges, you are going to be sued by the "victim's" family and you will have to defend yourself with legal counsel. I see where a policy like this makes sense for an everyday CC guy.
Posted by NimbleCat
Member since Jan 2007
9008 posts
Posted on 3/7/13 at 7:35 am to
quote:

Regardless of criminal charges, you are going to be sued by the "victim's" family and you will have to defend yourself with legal counsel. I see where a policy like this makes sense for an everyday CC guy.

Exactly. This is one of the reasons I purchased it. Also, I don't want to screw up and say anything that gets me into trouble. The attorneys do all the talking. You don't even explain anything on the 911 call.

Give your name, address, state you are the victim of a crime, ask for police, EMT, and hang up. Call your attorney's number and wait.

Too many times the 911 call is twisted into evidence against you. Let the forensics people do some work without you telling them one thing and them concluding another.
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