Unique insurance can protect gun owners against frivolous charges

ThorInc said:
Anyone read the PDF before buying? Also, all Ins Cos. have underwriters, I would be curious to know who is their underwriter. Not trying to be be a d!ck but I always read this sh!t carefully and I just quickly glanced at it so far.
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There are a lot of outs for this company. Brochure sounds good, but not enough of a safety blanket to earn my money any longer. I cancelled after having the policy thoroughly explained. Cancellation was painful too, their retention folks wouldn't take no for an answer until several phone calls later.
 
Jericho said:
I had this coverage until some legal folk advised against it. I read the policy and there are a lot of outs for the company to not insure you.

http://www.firearmlegaldefence.com/wp-content/uploads/2016/03/Firearm-Policy-Wording-March-2016.pdf
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Well in my case,I do everything as per the law or to the best of my knowledge seems to be as per the law. If it does happen that "crooked cops" try to arrest me with frivolous charges concerning firearms,I am positive that this insurance will be worth it.
Now if you do everything to not respect the laws and you asked for it,I could understand why the insurance company would find that you are breeching the contract,since it's clearly written in which cases it would not honor the contract. Or if they do take your case even though you did everything to not respect the law (consider yourself lucky),than article 5-b of that contract would apply and you would be happy enough to accept the deal your defendant made with the crown and shut your mouth because they already probably saved you a #### load of money on lawyer fees.
 
megatron1337 said:
Well in my case,I do everything as per the law or to the best of my knowledge seems to be as per the law. If it does happen that "crooked cops" try to arrest me with frivolous charges concerning firearms,I am positive that this insurance will be worth it.
Now if you do everything to not respect the laws and you asked for it,I could understand why the insurance company would find that you are breeching the contract,since it's clearly written in which cases it would not honor the contract. Or if they do take your case even though you did everything to not respect the law (consider yourself lucky),than article 5-b of that contract would apply and you would be happy enough to accept the deal your defendant made with the crown and shut your mouth because they already probably saved you a #### load of money on lawyer fees.
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Have a lawyer review the policy and advise you. You may be surprised.
 
Jericho said:
Have a lawyer review the policy and advise you. You may be surprised.
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We would need real life cases of people to post on this forum about their experience with this insurance policy and see if it has worked for them or not.
For the price it's worth,I would prefer to have this than nothing.
 
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I've printed off the policy information to read through later, but just by skimming through the pages I'm already a little bit hesitant by the fact they will only insure you if your claim has "reasonable prospects of success". I too would like to hear about first hand cases from forum members.
 
HighLiner said:
I've printed off the policy information to read through later, but just by skimming through the pages I'm already a little bit hesitant by the fact they will only insure you if your claim has "reasonable prospects of success". I too would like to hear about first hand cases from forum members.
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I'm thinking that wording only has to do with an appeal, either filing on your behalf or defending against crown appealing your acquittal.
 
HighLiner said:
I've printed off the policy information to read through later, but just by skimming through the pages I'm already a little bit hesitant by the fact they will only insure you if your claim has "reasonable prospects of success". I too would like to hear about first hand cases from forum members.
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I would hope that the CSSA and CCFR etc would have our best interests in mind when suggesting this additional security. I would imagine they have had their lawyers review the terms as well. I don't know how cost effective it would be to have lawyers review what lawyers have reviewed about the information lawyers reviewed but as with anything, people, including legal firms use the CYA method. Which is what I am propagating by obtaining this additional insurance.
 
megatron1337 said:
We would need real life cases of people to post on this forum about their experience with this insurance policy and see if it has worked for them or not.
For the price it's worth,I would prefer to have this than nothing.
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^ This kinda sums it up for me. I have the CSSA insurance and feel while it's better than nothing it looks like it has some loopholes that could let them leave you swinging in the wind.
 
I have had it for years. one catch, if you knowingly do something illegal they wont cover you. Like perhaps travel or short term storage without getting an ATT or knowingly traveling without your PAL or registration.
 
Charles said:
... the vast majority of the population are not able to defend themselves even when there is false accusation ...
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Not what Milgram was referring to, but an odd coincidence as the outcome is the same...and the real criminal element benefits meanwhile from lax sentencing. That's why I call it a legal system, not a justice system.

HighLiner said:
... they will only insure you if your claim has "reasonable prospects of success". I too would like to hear about first hand cases from forum members.
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Since insurance is something you have and hope never to need, I wouldn't wish the experience on anyone. But I hear what you're saying, more data would be some comfort to those on the fence... I guess that will come with time, at the expense of other peoples' misfortune.

'Reasonable prospect of success' would mean that you have made a good faith effort to obey the letter of the law, and beyond that, to act prudently - which is a reasonable thing to ask. Insurance in any field isn't a license to do as you please. Without insurance, would you do any less? The sponsoring orgs would certainly not advise so.

Outcast said:
Your products shelf life is only as good as its customers rating. If they pull cheap shots on claims that'll take 5 seconds to get around the firearms community and then no one buys your policies. ... Even if you just get one hour of lawyer time covered, the policy has paid for itself.
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Good points. The second one is a worst case, and the reason I didn't hesitate to sign up.

StoneHorse said:
Insurgence coverage is cheap, cheap, cheap.
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Was that you, or did autocorrect make a Freudian slip? :p
 
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Interesting, With an excellent price point!

As the old saying goes ; "Better to Have it & Not need it , than to NEED it & NOT have it"
 
bcbravo2zero said:
But if you want to truly understand the policy then you may have to spend a few bucks and speak to an insurance lawyer and get some advice. Normally, I would also recommend speaking to a really, really good insurance broker, but I doubt many are well versed in the in-and-outs of a niche-product like this.
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Hire a lawyer to read the fine print ..what a joke...What has our society come too.
 
jimbo45 said:
i could have used this about 15 years ago so hell ya iam in maybe go and purposely get caught using some of my newly prohibited Ruger 10/22 mags
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I'm sure you're joking, but just in case:

This insurance does not apply to:
1. Wilful acts
Any claim resulting from an act which is wilfully committed, and the results of which are consciously intended,
by you.
 
TedNugent said:
"Bernardo claims there have been cases where charges have been dropped once the crown discovers the defendant has firearm legal defence insurance."

Wow, that's maddening. How corrupt is our legal system when people are punished by the crown who knows they don't have a case.
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The ONLY way to stop it is to file counter charges against the crown & police every time it happens.

Unfortunately you will likely have to prosecute the charges through the court system yourself...

And apparently that results in "charges" of "paper terrorism" now in Alberta...
 
HighLiner said:
I've printed off the policy information to read through later, but just by skimming through the pages I'm already a little bit hesitant by the fact they will only insure you if your claim has "reasonable prospects of success". I too would like to hear about first hand cases from forum members.
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That clause is in regards to appeals, from what I read. So if you get convicted and there is no chance to win an appeal, they won't cover your hopeless appeal. Seems fine to me.
 
TedNugent said:
I'm sure you're joking, but just in case:

This insurance does not apply to:
1. Wilful acts
Any claim resulting from an act which is wilfully committed, and the results of which are consciously intended,
by you.
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I'm pretty sure CSSA claimed in one of their news letters thst this would cover you if you used a firearm to defend your personal safety or that of your property. That would constitute a willful act I would think. I'll have to check their past news letters.
 
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