Posted on 10/08/2020 9:26:51 PM PDT by Secret Agent Man
Given what's going on in many neighborhoods lately, and given that many governments let criminals do what they want, but go after citizens defending themselves from said criminal thugs and rioting mobs,
I would ask people to consider self defense insurance.
We all know the nightmare begins AFTER you've had to defend yourself.
Its something regular people like us are not prepared for because we're not life long career habitual criminals and may have had zero contacts with police and jail, and being treated like a criminal by cops and the legal system for defending your life and family and home.
And if you are like most people, you do not have an idea of just how much money this will run you, for your defense. This could cause your own personal defense to be quite poor if you cannot get good legal representation even though you were the defender/victim. Most people right now do not have tens of thousands to hundreds of thousands of dollars just lying around that they would want to just spend on such a situation. And even if you did have this type of money, would you want to lose it all to years of legal expenses?
No one wants to survive a self defense scenario to lose everything they have and possibly go to jail because of substandard legal representation. I wouldn't want anyone here to. Some here live in rioting hotspots and maybe can't move at the moment.
I would just throw this out as something to consider.
You may already have coverage, as I know there is one insurance company for home and auto that also has built-in self defense coverage for home/auto policyholders. but I only know of one such company like this. So chances are if you don't have them as your home/auto insurance company, if you already don't have self-defense insurance, you're without coverage and on your own.
Many gun rights sites have reviews and comparative lists of at least five or more of the major self defense insurance companies. Doing a simple search on "self defense insurance", you will see a number of sites that discuss the various companies, and list the pros and cons they consider of their plans they offer. Almost all these companies offer a number of different plans that vary in cost, and vary in benefits, so it means lots of options for you to be able to select from and find something that fits your price and risk level. Many allow monthly or yearly billing, and they also allow cancelling at any time, and getting your unused payment back. They also allow you to instantly change your levels of coverage, if you decide you need more coverage, or less, they will let you switch membership levels. Further, some let you add in a spouse or child also onto the coverage plan at a discount.
Some let you pick your own attorney, some let you pick from a list they have available in your area, some may just assign one to you. It depends on the company. Not all are equal. This is why the site reviews of each company's plan offerings are very helpful to review.
Good advice if you live in a leftist sh*thole. Otherwise, it’s not needed.
According to the Centers for Disease Control and Prevention, almost every major study on defensive gun use has found that Americans use their firearms defensively between 500,000 and 3 million times each year.
https://www.heritage.org/data-visualizations/firearms/defensive-gun-uses-in-the-us/
Indictments for defensive gun use are so rare that they make the front page of the screeching, garbage media.
Bkmk
I want the Obamacare version...the kind where I can sign up for the insurance AFTER I need it.
We live in Georgia that’s all the gun insurance we need.
Besides the ongoing riots in Seattle etc, just another reason to move out of that state.
We all choose where we live for various reasons, mine is family.
These policies, at least those I'm aware of, have fixed benefit levels both for legal fees and civil judgements. Like property or more comparable liability insurance. The companies liability isn't unlimited, and statistics of violent incidents exist. And yes, I'd presume if the current climate of left wing violence continues rates might go up. In the short term, the expanding base of potential customers might limit that.
Buying this insurance is banned in Washington state, the Governor/Insurance Commissioner call it ‘Murder Insurance’.
= = =
Can’t you still get on board with a lawyer ahead of time? Maybe some token retainer so he is the first you call?
Would help a little bit, but not for bail and lawyer fees, maybe.
Good advice, but check the policy before buying for anything about it not covering you during large disasters. I’ve seen it in a couple of the policies for the most popular self-defense insurance companies. I don’t remember the specific language used, but it mentioned something like civil unrest, civil war, collapse or other big disasters. Look for it, and you’ll find it.
It should cover you well outside of any such events, though, and that would be very helpful. Still good advice.
Yes, the question is the likelihood of a claim (absent law enforcement). Fire insurance depends on things like proximity of hydrants and whether your fire department is paid or volunteer; I’d think this poses similar risks.
BTW, in my non professional opinion, neither experience in law or as a LEO, I'd say if a private citizen is involved in a self defense incident, regardless of circumstances or the laws in ones state, will be involved in a process that requires legal advice. Which isn't free.
I've seen that suggested, though in the context of having a competent attorney who considers you a client by virtue of an appointment, at a fee, to discuss the situation should you be involved in an incident. However that doesn't cover his fee, which won't be an hour every 6 or 12 months, should a problem arise. Does give you someone to call who will respond though. If you travel a lot, that could be a consideration.
Some groups may offer that defense, while some individuals may take it pro bono for the publicity.
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