There is usually also language that says they can drop you if they judge that what you did was not self defense. That gives them an out, but if they use it, they better be certain because the backlash if they leave a gun owner hanging out to dry could be harsh.rotor wrote:So if you are not acquitted.........they come out ahead and don't pay. I think I want a plan that helps me not be acquitted.ninjabread wrote:The Cary Guard FAQ says "If criminal charges are brought against you, the criminal defense costs sublimit will reimburse you for any expenses related to your criminal defense if you are acquitted."superstar wrote:I forgot which service it was but buyer's beware; on one of them stated that you don't pay anything out of your pocket unless you lose/get convicted. That alone would worry me, if you get 2 charges, one for manslaughter and another for some misdemeanor and you get convicted for that, you might find yourself in unexpected trouble...
This also reminds me that I will need an attorney to read and interpret the fine print for all of these plans.
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Return to “Self defense isurance”
- Thu Feb 01, 2018 2:38 pm
- Forum: General Texas CHL Discussion
- Topic: Self defense isurance
- Replies: 33
- Views: 9633
Re: Self defense isurance
- Thu Feb 01, 2018 2:35 pm
- Forum: General Texas CHL Discussion
- Topic: Self defense isurance
- Replies: 33
- Views: 9633
Re: Self defense isurance
Yes, some of those companies are selling true insurance which means they only reimburse. They don't help you out right away. Others will get a lawyer for you immediately and help with bail and such. Yes, you can do those things yourself also if you can afford to maintain that sort of emergency fund.ninjabread wrote:The Cary Guard FAQ says "If criminal charges are brought against you, the criminal defense costs sublimit will reimburse you for any expenses related to your criminal defense if you are acquitted."superstar wrote:I forgot which service it was but buyer's beware; on one of them stated that you don't pay anything out of your pocket unless you lose/get convicted. That alone would worry me, if you get 2 charges, one for manslaughter and another for some misdemeanor and you get convicted for that, you might find yourself in unexpected trouble...
- Mon Oct 30, 2017 4:35 pm
- Forum: General Texas CHL Discussion
- Topic: Self defense isurance
- Replies: 33
- Views: 9633
Re: Self defense isurance
Yeah, that is the rub. If you have a lawyer right from the start and you are actually thinking about all this ahead of time, your odds of getting dragged into court go down considerably. They count it as a win if they never get that far (I would also).
I would simply look at what they are offering and decide if that is what you need. For me, I wanted to make sure the service got me a lawyer immediately and was able to help with bail (within limits) without any immediate out-of-pocket cost to me. I think most of those you hear about do that, but I have heard some services are true insurance and only reimburse those expenses after you are cleared. That sort of thing was a big concern for me.
I would simply look at what they are offering and decide if that is what you need. For me, I wanted to make sure the service got me a lawyer immediately and was able to help with bail (within limits) without any immediate out-of-pocket cost to me. I think most of those you hear about do that, but I have heard some services are true insurance and only reimburse those expenses after you are cleared. That sort of thing was a big concern for me.