TexasCHLforum.com

The NRA insurance is a reimbursement policy because it is against public policy in Texas and every other state to insure against criminal conduct.

I have mixed emotions about pre-paid legal plans being discussed on TexasCHLforum. It's a legitimate discussion and many of our Members are certainly interested. On the other hand, we had to ban two "Members" who are connected with one of the plans because he/they joined solely to promote their program under the guise of responding to questions. They painted rosy pictures about the plan, but never responded to questions about what isn't covered/provided.

I realize that I probably look at such plans differently because I'm an attorney, but make sure you know what you are buying; what is provided and, more importantly, what isn't provided. Try to find out something about the experience of the attorney(s) who will represent you at what may well be the worst time and worst problem of your life. After doing your homework, if you want to buy a pre-paid legal plan then by all means, do so. You may also want to get the NRA insurance to reimburse you for all of the expenses you'll have to pay out of your pocket.

Chas.

Springbike wrote:The average hospital stay is $750,000. The average shooting defense is easily $20,000, just for a Grand Jury billing.

Where did you get this figure? Does it include only cases that went to a Grand Jury with a defendant who had an attorney? How many self-defense cases go to a Grand Jury with a defendant who has no attorney? (I'm using the term "defendant" very loosely since one is not a "defendant" until charged.)

As I've said many times, I would never counsel against someone getting any insurance coverage or pre-paid legal "coverage" they choose, but make sure you know what you are getting and not getting. Oh, be sure to check the advertising claims also.

Chas.