TexasCHLforum.com

WildRose wrote:
You'll find out in all likelihood if you have the lawyer you need within 24-48hrs and if you're not confident in the competency of the lawyer provided you can always hire another.

TreyHouston wrote:It has been a long time since I have looked into these things. I just poked around again reading a few of the popular ones. So as I am “emergency personnel” Texas State Guard, I have defence to 30.06. Does this mean that if I use my firearm inside such location or an arrested in such location I am still technically in violation of the legal services coverage? From what I read, they inplied that you are NOT covered in a place of restricted areas wether it be Federal, State, or local law.

ScottDLS wrote:Personally I have an attorney and bail bondsman on retainer. I pay a flat fee to have Alan Dershowitz available to me at any time for his regular fee of $1000hr, even if he’s in the middle of a seminar at Harvard Law School. My bondsman will provide a cash bond of up $1,000,000 in any court in the US 24/7. Last time I needed it was when I was going to “take the ride” for carrying concealed with a license on city property that had a 1” circle slash gun sign on the back loading bay door. Once Prof. Dershowitz was done talking to the cop, the LEO wrote himself a ticket for disorderly conduct.

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.
This also reminds me that I will need an attorney to read and interpret the fine print for all of these plans.

Soccerdad1995 wrote:
$200 per year multiplied by the extremely low probability that the service gets used? Sure, they can easily afford a good lawyer for you. It's just like insurance. Do I really think that the insurance company will pay me $400,000 to replace my house if it burns down even though I am only paying a tiny fraction of that amount in annual premiums? Why yes, I do. Should I think about that again? Maybe, but I will probably reach the same conclusion.

The fact is that if you want to self insure for these risks, you can (where legally allowed). And you will probably be better off. The exact amount that you will probably be better off is equal to the insurance companies overhead costs + profit divided by the number of policy holders (otherwise known as Expected Value, or EV). To put it in terms of statistics / gambling, your EV is higher by self insuring (unless you find an insurance company with really bad actuaries), but your variance is also dramatically lower by insuring. You are paying the insurance company for this reduction in variance.

rotor wrote: Apparently an attorney can't go with you into a grand jury regardless of the service used. So that part doesn't matter. How much is a little money? $30,000 is more than a little money. I don't know the answer to the question as to what method of prepaid or insurance is best and I have never heard of anyone involved with a legal issue complain about their service. I think these are profit making services for those groups sponsoring it.
I think ideally that we would need to hear from LTC holders that have been involved with "the law" as to how their experience actually was with these plans. Since we are all such outstanding citizens there are probably very few of us that could relate to those services. I would like to keep it that way.

twomillenium wrote:Make sure that your are aware of self defense insurance and pre-paid legal service. There is a difference.