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I missed that - thanks.He said clearly CCW Safe is a paid sponsor.
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I missed that - thanks.He said clearly CCW Safe is a paid sponsor.
I missed that - thanks.
You are also making a bet that the underwrite of the "insurance" will pay your claim.With CCW your are betting on the possibility that you will need to shoot somebody. So if you are often out and about in high crime areas then it is probably worth it. But for someone like me who is a retired hermit and rarely goes into high crime areas I am betting that I will not have to shoot anybody.
Andrew Branca appears to be a competent attorney, but he presents the info as if he is arguing a case for CCWsafe.
I think the only good point he makes in that entire video is that when the court allowed the self defense argument to be used for defense, USCCA should have paid.Andrew Branca appears to be a competent attorney, but he presents the info as if he is arguing a case for CCWsafe.
- He talks of the problem with USCCA not paying for what they claim is not self defense. Although the USCCA contract states "self defense" it is not made obviously clear they interpret as giving themselves an "out", though the federal court certainly found that this clause favored USCCA. Gee, I saw that the first time I read the contract, along with the "these terms may be changed at any time" clause in the USCCA contract. When presented with a contract with ambiguous terms, I always assume they will be interpreted in favor of the other party as I know those terms were not included for my benefit.
- He fails to mention that CCWsafe has a similar "if we don't agree it was self defense we don't have to pay" clause (note their repeated use of the term "Recognized self defense..."), but it is indeed a bit more obvious than the implication in the USCCA contract, so he does have a point.
- He defended the CCWsafe limit by talking about the "reputation" of CCWsafe. To me, this is not unlike telling someone to ignore the find print in a car dealership sales contract, but examine the reputation of the dealer to see if it will actually enforce the contract clause that is to your disadvantage. Really? Such advice from an attorney?
- He also fails to mention that this would never have even reached that point, or got the initial $50K, with CCWsafe since that plan excludes intra-familial events.
- This is "selective presentation of information" to advocate for his side (CCWsafe) is more like an attorney advocating in court, or an advertisement, than consumer information. All info favorable to CCWsafe was included; anything detrimental to CCWSafe is omitted. (Note he uses this technique in his response to me in the Youtube comments as well)
- When I call him out on this in a comment on the above linked YouTube, he does not address the issue I ask about (other than to repeat the partial information in his original presentation) and resorts to insults ("find an adult to explain it to you") that are unbecoming a member of the bar. Find the comments and Judge for yourself on this one.
- I believe that any mention of the discount code should mention if he gets a commission for doing you this favor. Note that he did not respond to my question about this in his YouTube comment reply. Others may reasonable conclude that the mention of the CCWsafe sponsorship of the video is sufficient notice. In my opinion, the later is similar to what he is assusing USCCA of doing.
- I have not been able to find any ccw legal plan that does not limit it to "self defense", and all leave it ambiguous as to who makes that determination. I am also not aware of any legal plan that makes a full accounting of their claims paying ability available to prospective purchasers. Remember there is no equivalent to AMBest rating the solvency of these firms.
Yup, good point I missed that one............You are also making a bet that the underwrite of the "insurance" will pay your claim.
HOA does not cover criminal defenses, and *may* cover liability for an accidental shooting or one intended to protect persons or property.
Check on your "HOA insurance as part of your condo fee". This kind of insurance generally covers the public areas/external walls/etc., and liability judgements against the association. It does not cover damages to individual units, theft from individual units, liability judgements (or defense against) for claims made against condo owners as individuals. Depending on the policy, it *may* cover individuals sued in their capacity as trustee or board members of the association.
If you find out otherwise, please let me know as I will have some shopping to do.
Keep in mind this is from January 3, one of the comments says CCW Safe made some updates.
Based on this, and assuming the additional research I will do doesn't come up with anything bad, I will go with CCW SAFE and dump USCCA.
Didn't change yet.Thanks for sharing this. now I know why my login on US Lawshield says "Locked"
Because they don't support mass anymore. unless this video is not jan3 this year and its from before they covered mass
Did you go ultimate or defender ?[/url]
Only to the exterior facing walls of the units; unit interiors are the responsibility of each owner in most cases.Building burns down it gets replaced by HOA. I keep all valuables out of state in a safe deposit box. I have one .22 bolt action rifle, one .223 bolt action rifle and one 870 12 gauge in a Vline closet vault in-wall gun locker. The 870 is loaded with slugs and buckshot for home defense. Never owned an LTC in my life; FID only since 1978. I never purchased a gun in MA and never plan to. Everything here gets recorded. Out of state rifle and shotgun purchases don't. A prosecutor could argue that you could walk away from an assailant or loudmouth a**h*** troublemaker on the street. Home invasion? The attacker came to you. Self defense much easier to prove, even in this socialist state.
Recall the "best friend's sister's Atlanta apartment" anecdote.Only to the exterior facing walls of the units; unit interiors are the responsibility of each owner in most cases.
I tried to find a list of MA lawyers that work with USCCA, but failed.
Do you have a list?
Out of all the insurances, they seem like the best, but I want to see who they work with.
I got past that a while back. I chose a known NES lawyer based on several recommendations.If you are a USCCA Member, they have a page that you can go to and it lists all the Lawyers...
They actually "assign" you a Lawyer once you join if I remember correctly...
It's more about staying out of jail for me anyway. I doubt any of that would matter if you really screwed the pooch and shot the wrong person. Anything else pretty much gets washed away when you are found to have had a 'good shoot'. Unless you have OJ money.Best bet is to practice judgment proofing. Place your primary asset, your home, in an irrevocable trust to protect it from lien/levy and seizure from judgment creditors. Do the same for large bank accounts. Collection lawyers are looking for an easy payday. Put up as many barriers as possible to prevent it.
You still need to keep money, how else will you pay people in jail for protection? (Or does that only happen in movies?)It's more about staying out of jail for me anyway. I doubt any of that would matter if you really screwed the pooch and shot the wrong person. Anything else pretty much gets washed away when you are found to have had a 'good shoot'. Unless you have OJ money.
Having a lawyer show up who is vetted in some way, rather than just going to the yellow pages while using the 'public' phone in a jail.
That’s the type of scenario answered in the USL seminar. And the answer to that situation more than likely would end in you needing legal council. As you were leading up to, Your now the bad guy with a gun in the Brockton Walmart parking lot playing captain savahoe stopping a domestic dispute.I wonder if “brandishing” would be covered by these guys if you had a legit encounter, saved the life of a little old lady about to get killed by a thug with a tire iron, you draw, shout orders to put down the weapon, he complies, and runs away, and some Karen calls the popo “man with a gun!”
BLM DA charges you with some BS charge cuz guns bad.
Would these companies cover your legal defense?
But would USCCA or CCW Safe cover the legal tab?That’s the type of scenario answered in the USL seminar. And the answer to that situation more than likely would end in you needing legal council. As you were leading up to, Your now the bad guy with a gun in the Brockton Walmart parking lot playing captain savahoe stopping a domestic dispute.
if I remember rite probably not. And I think the answer is because Massachusetts. Unless your cornered and your life is in legitimate danger you can’t go on the offensive. No stand your ground laws in mass either. You are supposed to run like the coward of the countyBut would USCCA or CCW Safe cover the legal tab?
In the example above the draw is to save the life of another about to be murdered with a tire iron, so not on the offensive.if I remember rite probably not. And I think the answer is because Massachusetts. Unless your cornered and your life is in legitimate danger you can’t go on the offensive. No stand your ground laws in mass either. You are supposed to run like the coward of the county
This state blows.
Being able to ask a lawyer if I could legally hold onto a friends firearms justified that years insurance payment as far as I am concerned.
The key point is that the deck is stacked so that as a practical matter, it is their choice, not their obligation.In the example above the draw is to save the life of another about to be murdered with a tire iron, so not on the offensive.
But yeah it’s probably a toss up whether these companies would cover legal fees in that situation.
Never even crossed my mind. Homeowner's insurance is part of my HOA condo fee. Someone invades my home, they are receiving a 12 gauge shotgun blast from my Remington 870. Period!
HOA does not cover criminal defenses, and *may* cover liability for an accidental shooting or one intended to protect persons or property.
Check on your "HOA insurance as part of your condo fee". This kind of insurance generally covers the public areas/external walls/etc., and liability judgements against the association. It does not cover damages to individual units, theft from individual units, liability judgements (or defense against) for claims made against condo owners as individuals. Depending on the policy, it *may* cover individuals sued in their capacity as trustee or board members of the association.
If you find out otherwise, please let me know as I will have some shopping to do.
Building burns down it gets replaced by HOA. I keep all valuables out of state in a safe deposit box. I have one .22 bolt action rifle, one .223 bolt action rifle and one 870 12 gauge in a Vline closet vault in-wall gun locker. The 870 is loaded with slugs and buckshot for home defense. Never owned an LTC in my life; FID only since 1978. I never purchased a gun in MA and never plan to. Everything here gets recorded. Out of state rifle and shotgun purchases don't. A prosecutor could argue that you could walk away from an assailant or loudmouth a**h*** troublemaker on the street. Home invasion? The attacker came to you. Self defense much easier to prove, even in this socialist state.
Only to the exterior facing walls of the units; unit interiors are the responsibility of each owner in most cases.
I got past that a while back. I chose a known NES lawyer based on several recommendations.
They allow you to choose who they call.
I wonder if CCW Safe is the same. I need to stop slacking and take a look.