The Truth About Gun Insurance Policies
The whole idea behind being prepared to defend yourself after a self-defense event is that the company you contract with will support you in your legal fight if you are ever charged with a crime for using force in a defensive situation.
There are lots of insurance plans in the gun market today. Even though many of these insurance policies cover things like firearms training, bail bonds, scene cleanup, and lost wages, they often have many exclusions to their coverage because they cannot insure in the cases of criminal offenses. Said another way, they do not cover you when you need them the most, when you are charged with a serious crime. This is why, if you read the fine print, you will often find exclusions that do not cover you in the event you are charged with a crime. Some insurance policies even have provisions that allow the insurance company to demand that you repay any benefits if you are convicted of a crime.
While these additional benefits are nice to have, if you are charged with a serious crime, you need an experienced team of criminal defense attorneys who you can trust. Because in the end, it’s the criminal defense attorneys representing you in court that matters the most to what you care about, your freedom.
Why Understanding Your Legal Defense Coverage is Important
If your policy can’t provide you with an experienced criminal defense attorney and does not cover you in certain acts of self-defense, then the money you spent on gun insurance may be futile.
Most self-defense insurance policies are administered by insurance companies that can offer significant amounts of financial assistance and benefits during the lifespan of a self-defense shooting. However, these insurance companies explicitly add provisions in their policy that is intended to exclude coverage for certain incidents. For example, most policies will exclude “criminal acts.” So, even if all you’ve done is threaten to use your gun to deter an attacker, and you never end up firing a shot or hurting anyone, you could still be charged with aggravated assault with a firearm. Thus, giving the insurance company the right to refuse coverage.
Common Self-Defense Policy Exclusions & Provisions:
- Being Convicted of a Criminal Act
- Domestic Violence
- Brandishing a Firearm
- Negligent & Accidental Discharge
- Being Impaired by Alcohol or Control Substances
- They Select Your Attorney
- Repayment Could Be Required if Policy is Breached
By looking at these restrictions above, one might think that any one of those situations could very well happen to them in a self-defense situation. According to Justia, over 90% of criminal convictions result from plea bargains. Although it may be a lesser charge, you are still pleading guilty being convicted of a crime. Additionally, there are a lot of self-defense cases that arise out of domestic violence, brandishing a firearm and when alcohol is involved. So why would you want to involve yourself with an insurance company that won’t cover you even in some of the more common self-defense situations.
The Attorneys for Freedom Difference
The biggest difference between our Attorneys on Retainers Self-Protection Plan and the other self-defense policies is that our plan is administered by a REAL law firm, not some insurance company that has endless exclusions. With the Attorneys for Freedom Law Firm, you won’t ever have to worry about coverage if you are charged with a crime and used your firearm in self-defense of a domestic violence incident. As a member of the Attorneys on Retainer program, you are also a client of the firm and we will represent you as aggressively and professionally as we can…even if it arises out of a criminal offense.
The Attorneys for Freedom has been representing clients in countless cases such as murder, manslaughter, aggravated assault, and all types of gun-related cases for almost 30 years. Attorney Marc J. Victor (Owner/Founder) has been speaking to the gun community about the legal rights and responsibilities of gun owners for approximately the past 25 years.
Why the AOR Self-Protection Plan Might Work for You:
- We are a highly-rated and trusted law firm, so you know what you’re getting in the Attorneys for Freedom
- We won’t drop you if you are charged with a criminal act
- We won’t ask you to repay for services
- We’ll cover you if a self-defense incident arises out of:
- Domestic Violence
- Brandishing a Firearm
- Negligent & Accidental Discharge
- Being Impaired by Alcohol or Control Substances
Attorneys on Retainer – Self Protection Plan
- We are a real, trusted law firm. NOT an insurance company that offers endless exclusions.
- As a member of the Self-Protection program, we’ll never drop you if you are charged with a crime or repay us for services
- 100% of your attorney’s fees are covered if self-defense is reasonably asserted as a defense (even if your case goes to trial)
Questions? Comments? Need More Information?
Please feel free to email us or call 866-404-5112. Visit the Attorneys on Retainer Self-Protection Program to view more information today!
