liability insurance for ccw risks, is it necessary?

[TerribleT]

have searched the forum, didn't find any info on this so this post, if there is a thread sorry if i missed it, but asking...
been hearing and seeing some commercials for insurance in case you end up actually having to shoot someone in self-defense, they say can offset cost of lawyers to defend yourself in the inevitable court battle that follows.
is this a good idea or is it a typical scam?
thanks.

 

[maybejim]

Seems like a good idea. Some that I've seen don't pay unless you are proven not guilty of breaking the law. Some start giving you upfront money and some will recommend lawyers.

 

[telpinaro]

Check out the Armed Citizens Legal Network. It's not insurance, it's a fund, headed up by some pretty cool people. If you have to defend yourself, they'll get you $5-$10,000 to hire a lawyer, and more if you go to trial... after they review your case, of course. If it wasn't legitimate self-defense, they won't help you, obviously. Most of them will also be expert witnesses for you as well.

 

[wallyb]

Second Call Defense | Complete Legal Protection for Armed Self Defense

 

[wolf_fire]

have searched the forum, didn't find any info on this so this post, if there is a thread sorry if i missed it, but asking...
been hearing and seeing some commercials for insurance in case you end up actually having to shoot someone in self-defense, they say can offset cost of lawyers to defend yourself in the inevitable court battle that follows.
is this a good idea or is it a typical scam?
thanks.

It really depends on your situation. Some places charge $100/year for such a service. Do the math. For a person of age 25 to live to age 75 will be 50 years. If you have this service and the rates don't go up (they will) will cost you $5000 over your lifetime. Chances are you will never need their service. But what if you do?

If you have $5000 now that you could afford to give a lawyer for a retainer, I'd say don't worry about it. If you really would be hard pressed scraping $5000 for a lawyer if you got immersed in our court system, I'd say go for it.

Either way, you probably already should have researched some good lawyers in your area.