CHL holders insurance policy

[jmra]

My husband and I have [Pre-paid legal service]. It's about $21 a month for both of us, we have immediate 24/7 access to an attorney should we have to use our gun. They cover the legal fees and there's no limit to how long the legal process goes as to how much they cover. My favorite part of this plan is knowing that if I have a question about grey area in the law, I can email an attorney who is trained and specializes in defensive firearm laws. To me, it's worth the cost.

Have they given you references of satisfied customers who have actually needed their services? Have they given you a list of the cases involving a CHL they have actually defended? Have they shown you actual out of pocket expenses these clients experienced in these cases? Have you met and reviewed the record of the attorney who would be representing you in your fight to maintain your freedom if charged in a shooting?

[b322da]

My husband and I have [Pre-paid legal service]. It's about $21 a month for both of us, we have immediate 24/7 access to an attorney should we have to use our gun. They cover the legal fees and there's no limit to how long the legal process goes as to how much they cover. My favorite part of this plan is knowing that if I have a question about grey area in the law, I can email an attorney who is trained and specializes in defensive firearm laws. To me, it's worth the cost.

Have they given you references of satisfied customers who have actually needed their services? Have they given you a list of the cases involving a CHL they have actually defended? Have they shown you actual out of pocket expenses these clients experienced in these cases? Have you met and reviewed the record of the attorney who would be representing you in your fight to maintain your freedom if charged in a shooting?

Excellent questions, jmra. I express no opinion, one way or another, about the plan, because I have never heard answers to these questions although this is not the first time I have seen such a recommendation here on the forum that they be asked.

Jim

[asbandr]

My husband and I have [Pre-paid legal service]. It's about $21 a month for both of us, we have immediate 24/7 access to an attorney should we have to use our gun. They cover the legal fees and there's no limit to how long the legal process goes as to how much they cover. My favorite part of this plan is knowing that if I have a question about grey area in the law, I can email an attorney who is trained and specializes in defensive firearm laws. To me, it's worth the cost.

Have they given you references of satisfied customers who have actually needed their services? Have they given you a list of the cases involving a CHL they have actually defended? Have they shown you actual out of pocket expenses these clients experienced in these cases? Have you met and reviewed the record of the attorney who would be representing you in your fight to maintain your freedom if charged in a shooting?

I haven't asked for a specific printed list, but they do have an area on their website and I believe their forums where they show scenarios where they provided services. They have several different attorneys for the houston area, and no, I haven't met with each specifically for an interview. If my husband and I were in a situation where we needed a lawyer and we didn't have this plan, we'd be in trouble because there's no way we could afford that. I like this plan, and I've done the research and they are very reputable. Each person should do his own research before making a decision on if they want a plan like this and which one.

[cb1000rider]

asbandr,
You're repeating a sales pitch, almost verbatim. This is an organization designed by attorneys to make money. Do you think there possibly could be differences in how it is applied and how it is sold? Are there any exclusions on legal fee limits? Does it pay for expert witnesses? Does it pay for attorney travel? Does it cover court costs?

Think about it this way, somewhere a set of attorneys - we don't know how large a set - is earning a minor amount per month for not doing much work. When it comes time to do work for one of these clients - say if Zimmerman had [Pre-paid legal service] - do you think that your assigned attorney or attorneys is going to work for months at no cost to you?

I do believe in these types of protections where they are transparent. I'm the member of a professional organization that also has specific legal concerns, so I can pay to a little more to have legal coverage. The difference is that they'll disclose all of the litigation that those attorneys have been involved in and the results of that litigation. [pre-paid legal] will cite "privacy" when you ask for this level of detail - at least they did when I asked, but that's a funny claim since court cases are matters of public record.


Look, I agree the [pre-paid legal] pitch *sounds* great. I'm just suggesting that you dig a little deeper beyond what is promised and look to see what has been delivered in the past. If you can't get that information, proceed at your own risk.

[steveincowtown]

To the OP. If you are really interested, you should attend one on of the information/ potentially felonious meetings.

Discussed further here:

viewtopic.php?f=7&t=72028#p902068" onclick="window.open(this.href);return false;

[asbandr]

To each his own. It comes out of my bank account so I'm trusting the decision my husband and I made together, which was not a blind decision. And just because they have a good sales pitch doesn't mean they won't honor their services. I'm not assuming they will pay every single fee or cost that comes up. The attorney's fees are covered which is good enough for me.

[rotor]

I thought the moderator didn't allow much [Pre-paid legal service] conversation. I have them, I hope I never use them, they send out a bunch of good info. You can search the internet and some call them a scam and others don't. All I can say is that I "feel better" with them versus not having them. Like owning gold, you "feel better" but may be going broke.

[cb1000rider]

It comes out of my bank account so I'm trusting the decision my husband and I made together, which was not a blind decision.

I agree.. you've got the right to make your own decision. I'm not scolding you for yours, I'm simply stating why I made a different decision.
You indicate that your decision wasn't "blind" - one thing that might help is if you tell us what influenced making that decision, other than the sales pitch. The sales pitch is very good - and if it is acted on without exclusion or exception, I think you made a good decision in the event that you need such a service.

Look, if they start to cite actual cases - not hypothetical cases and provide actual reference client experiences, I may very well feel differently. My burden of proof is different than yours, that's all..

[asbandr]

Well, it seems as though I'm on trial here. Sorry, can't say anything else without my lawyer present.

[jmra]

Well, it seems as though I'm on trial here. Sorry, can't say anything else without my lawyer present.

It might give you an opportunity to meet him.

[jmoney]

asbandr,
You're repeating a sales pitch, almost verbatim. This is an organization designed by attorneys to make money. Do you think there possibly could be differences in how it is applied and how it is sold? Are there any exclusions on legal fee limits? Does it pay for expert witnesses? Does it pay for attorney travel? Does it cover court costs?

Think about it this way, somewhere a set of attorneys - we don't know how large a set - is earning a minor amount per month for not doing much work. When it comes time to do work for one of these clients - say if Zimmerman had [Pre-paid legal service] - do you think that your assigned attorney or attorneys is going to work for months at no cost to you?

I do believe in these types of protections where they are transparent. I'm the member of a professional organization that also has specific legal concerns, so I can pay to a little more to have legal coverage. The difference is that they'll disclose all of the litigation that those attorneys have been involved in and the results of that litigation. [pre-paid legal] will cite "privacy" when you ask for this level of detail - at least they did when I asked, but that's a funny claim since court cases are matters of public record.


Look, I agree the [pre-paid legal] pitch *sounds* great. I'm just suggesting that you dig a little deeper beyond what is promised and look to see what has been delivered in the past. If you can't get that information, proceed at your own risk.

i certainly haven't read their agreement, but if it clearly says all expenses for trial, then they don't really have a choice. If a lawyer in the program does't put forth their full effort, that can cost them their law license. I agree though, if the scope of representation covered by that program doesn't clearly state that attorneys fees THROUGH the trial are covered...I wouldn't give them anything.

[WildBill]

asbandr,
You're repeating a sales pitch, almost verbatim. This is an organization designed by attorneys to make money. Do you think there possibly could be differences in how it is applied and how it is sold? Are there any exclusions on legal fee limits? Does it pay for expert witnesses? Does it pay for attorney travel? Does it cover court costs?

Think about it this way, somewhere a set of attorneys - we don't know how large a set - is earning a minor amount per month for not doing much work. When it comes time to do work for one of these clients - say if Zimmerman had [Pre-paid legal service] - do you think that your assigned attorney or attorneys is going to work for months at no cost to you?

I do believe in these types of protections where they are transparent. I'm the member of a professional organization that also has specific legal concerns, so I can pay to a little more to have legal coverage. The difference is that they'll disclose all of the litigation that those attorneys have been involved in and the results of that litigation. [pre-paid legal] will cite "privacy" when you ask for this level of detail - at least they did when I asked, but that's a funny claim since court cases are matters of public record.


Look, I agree the [pre-paid legal] pitch *sounds* great. I'm just suggesting that you dig a little deeper beyond what is promised and look to see what has been delivered in the past. If you can't get that information, proceed at your own risk.

i certainly haven't read their agreement, but if it clearly says all expenses for trial, then they don't really have a choice. If a lawyer in the program does't put forth their full effort, that can cost them their law license. I agree though, if the scope of representation covered by that program doesn't clearly state that attorneys fees THROUGH the trial are covered...I wouldn't give them anything.

From their Website:

What’s Not Covered

While our services are quite comprehensive, the following are not covered: appeals, expert witness fees, governmental fees of any type, investigator fees, or bail bonds.

[gringo pistolero]

Sorry, can't say anything else without my lawyer present.

[SkipB]

Like asbandr my wife and I choose [pre-paid legal]. They do have seminars all around the state with their lawyers available for people to talk to. I think it is a very good program. My wife and I needed something and we picked it. If anyone doesn't think it is for them then don't buy into it but don't put down people how do. This is an internet site where we share info. Everyone has different views on things and those views should be shared so people on here can make a concuss decision that fits them. It doesn't mean one is right or wrong, just sharing info.

[jmra]

Like asbandr my wife and I choose [pre-paid legal]. They do have seminars all around the state with their lawyers available for people to talk to. I think it is a very good program. My wife and I needed something and we picked it. If anyone doesn't think it is for them then don't buy into it but don't put down people how do. This is an internet site where we share info. Everyone has different views on things and those views should be shared so people on here can make a concuss decision that fits them. It doesn't mean one is right or wrong, just sharing info.

Asking questions does not equate to putting someone down. I don't see anywhere on this thread where people were put down for their choice. What I do see is legitimate questions that have gone unanswered.