TexasCHLforum.com

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

That's good information. I was not aware of that, even though when you say it, it makes perfect sense. A prepaid legal expense plan is different from insurance...right?

Charles L. Cotton wrote: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.
Chas.

There will always be trolls. If you avoid a topic because of them, then many many topics will be off limits, and this plus all the forums will have little reason to exist. Someone asks here, "How about that MagicGun 9-45" Someone else gives a glowing report of its qualities. That person might be a gun owner or might be a Magicgun employee. That's one reason we have moderators like you--to catch 'em. Thank you.

So, we have three pages of posts on the subject, yet it is not resolved--at least for me it isn't. I think we have these so far:

* [Pre-paid legal service] out of Houston/Clear Lake http://www.[Pre-paid legal service].com/" onclick="window.open(this.href);return false;
* CHL Protection Plan in Dallas http://www.chlpp.com/" onclick="window.open(this.href);return false;
* Armed Citizens' Legal Defense Network Onalaska, WA http://www.armedcitizensnetwork.org/home" onclick="window.open(this.href);return false;
* Concealed Carry Legal Services Houston http://www.concealedcarrylegal.com/index.cfm" onclick="window.open(this.href);return false;
* USCCA Self Defense Shield [Location unknown] https://www.usconcealedcarry.com/self-d ... pgrade.asp" onclick="window.open(this.href);return false;
* NRA-endorsed Self Defense coverage Kansas City, MO http://www.locktonrisk.com/nrains/defense.htm" onclick="window.open(this.href);return false;

Frankly, I find none of these plans particularly compelling. Nonetheless, I need to do something. Concealed Carry Legal Services seems to be part of a Houston Law firm. Same with [Pre-paid legal service]. I'm thinking seriously about just driving to their offices. [Pre-paid legal service] office is approximately 45 miles from my house across town. Concealed Carry Legal is only 26 miles--in a different direction of course. There is something about a face to face. Maybe it's the old "I know where you live" implied threat, or maybe it's just getting comfortable with the people you are potentially trusting your personal and financial future with. I'll report back here what I find.

Just found another one from a Tom Gresham show at last year's NRA convention:

http://armedcitizensnetwork.org/" onclick="window.open(this.href);return false;

And that's all I know about that one!

wgoforth wrote:US Concealed Carry Asc has an interesting sounding coverage https://www.usconcealedcarry.com/self-d ... pgrade.asp" onclick="window.open(this.href);return false;

I took a look there. Several years ago I was a member of USCCA. After the management demonstrated questionable judgment in its editorial policy, publishing an article that many, many people considered innapropriate and at the very least in incredibly bad taste--and then issued a non-apology--I let my membership lapse.

My question about this "shield"--and one on which I could find no info, since part of their website is not functioning--is what are the financial resources behind the Foundation? Since their links a broken today, all I can find out is that the Platinum plan which is normally $297, is now on sale for $77. If it were real, that would be a remarkable bargain compared to, say, the NRA plan. The key to any insurance is the financial strength of the company. If USCCA Foundation has $15,000 in cash and CD's, then how much help can it really provide? So, you call for $25,000 in legal assistance, because you just shot a BG, and you've been taken downtown for questioning and the BG's "fiance" has a lawyer ready to file the lawsuit, what does USCCA Foundation do? Write you a check or file Chapter 13?

If the USCCA plan is underwritten by a major insurance company, then that should be prominently advertised in their promotions. Since it is not so advertised, I can only assume that its resources consist of fees paid by members. At least the NRA-endorsed plan has an A.M. Best-rated insurance company on the hook, although they could bail as well.

As much as I have searched, I have not been able to find a story of anyone being assisted by any of the prepaid legal or insurance plans. I'll grant you, the probability of needing one is low, so the chances of finding anyone on any of the forums who has used one is even lower. Still, I'd prefer to not throw away money on a scam if I can avoid it!

Hey guys...old thread but this was not resolved, in spite of its importance. Any CHL holder who isn't very worried about liability, just isn't paying attention.

From some stories I've heard, it seems like shooting a BG could turn out only slightly better than being shot by the BG! You win the gun battle, but what do you win? The right to go to jail, to lose your life savings, to be sued by a criminal's family from New Orleans or Monterrey? Try this article written by a former police officer, LE consultant, and CC instructor: http://www.stoppingpower.net/commentary ... ention.asp" onclick="window.open(this.href);return false;

[Pre-paid legal service] vs CHL Protection Plan vs Concealed Carry Legal Services vs the NRA's endorsed self defense coverage. There are probably others. The thing I am most concerned about these plans is: Do they really cover you, and will they be able to cover to the extent of their contracted obligations? Of these, I think only the NRA-endorsed plan has insurance rated by A.M. Best.

Other observations:
CHL Protection Plan - Their contact mailing address is a mailbox store. And do you want legal coverage from someone who takes PayPal???
[Pre-paid legal service] - At least their address is an office building, but it looks like it is mostly "executive suites".
Concealed Carry Legal Services - Their contact page has a typo in the name (says "Contract Us" instead of "Contact Us"). Don't lawyers live to proofread?
NRA-endorsed - Claims to be by a large agency, Locton Affinity, but I've never heard of them, and they're not the insurer, they're the insurance agent. They do let you see the insurance certificate in advance, but it is so full of legaleze, I'd need to hire a lawyer to tell me what it says. Lots of exclusions, one of which sounds like the very thing it is supposed to cover is excluded!

Has anyone first hand experience with any service that provides insurance or at least defense in the event you have to protect yourself or your family? Is there some reason we can't buy this kind of liability coverage from State Farm?