If you’re a responsible gun owner, you understand that self-protection situations can arise unexpectedly. While we hope never to be in a situation where we need to use our firearms for protection, it’s crucial to be prepared.
One way to prepare is by considering firearms legal protection. In this Firearms Legal Protection Review, we’ll take a closer look at Firearms Legal Protection – a concealed carry insurance option, covering everything from its features to pros and cons. Let’s dive in!
Who/What is Firearms Legal Protection?
Before we dive deeper into our Firearms Legal Protection Review, you must first understand that it is more than just an insurance company; it’s your legal safeguard in an uncertain world.
It’s a specialized service designed to provide you with peace of mind in case you ever need to use your firearm to protect yourself or your loved ones.
This coverage isn’t just about dollars and cents; it’s about ensuring you have the legal expertise to navigate the complex and often daunting legal landscape that can follow a self-protection incident.
Is self-defense liability support needed?
Do you really need CCW Insurance? Picture this: you find yourself in a life-threatening situation where using your firearm is the only option to protect yourself or your family. You act in self-protection, but the situation escalates into a legal battle.
This is where self-protection liability support becomes a lifeline.
While you might think your actions were justified, others may not see it the same way. You could face criminal charges or a civil lawsuit. Legal fees can pile up quickly, and without support, you may find yourself drained emotionally and financially.
Firearms Legal Protection steps in to ensure you have expert legal help when you need it most.
How Much Does Firearms Legal Protection Coverage Cost?
| Feature | Ind. Basic | Ind. Premium | Fam. Premium |
|---|---|---|---|
| Monthly Cost | $16.95 | $27.95 | $44.95 |
| Annual Cost | $199.00 | $329.00 | $539.00 |
| Criminal Defense Max | Unliimited | Unliimited | Unliimited |
| Civil Defense Max | Unliimited | Unliimited | Unliimited |
| Civil Liability Max | $0 | $0 | $0 |
| Per Diem Max | $0 | $1,500 | $1,500 |
| Pick Own Attorney? | No | No | No |
| Money Up Front? | Yes | Yes | Yes |
In our Firearms Legal Protection review, you’ll find out that one of the most significant concerns when considering concealed carry insurance is the cost. Firearms Legal Protection offers a range of coverage options to suit different budgets, making it surprisingly affordable for most responsible gun owners.
While the exact cost may vary depending on your chosen level of coverage and location, it’s generally quite reasonable, often comparable to what you’d pay for a monthly gym membership.
Keep in mind that the cost of peace of mind is hard to quantify. For the peace of knowing that you’ll have expert legal support if the unthinkable happens, the price is a small investment compared to the potential financial and emotional turmoil of legal battles.
What Does Firearms Legal Protection Cover?
Firearms Legal Protection CCW Insurance provides a comprehensive package of benefits to ensure you’re fully covered in the event of a self-protection incident. Here are the key features:
Criminal Defense Protection
When you’re faced with a self-protection situation and you need to use your firearm, the last thing you want is to be burdened with a criminal defense case. Firearms Legal Protection steps in to provide you with expert legal assistance in such circumstances.
This means that if you’re charged with a crime while acting in self-protection, whether it’s homicide, manslaughter, or a weapons-related offense, your legal fees are covered. This coverage includes everything from hiring an attorney to navigating the courtroom proceedings.
For anyone who has faced the nightmare of legal proceedings, you’ll understand the peace of mind that comes from knowing that you have a professional on your side to protect your rights and interests.
Criminal defense protection can be the difference between a just outcome and a legal nightmare.
Civil Defense & Liability Coverage
Self-protection incidents can often lead to not only criminal charges but also civil lawsuits. Even if you acted justifiably, someone could still file a lawsuit against you. This is where civil defense and liability coverage is invaluable.
Firearms Legal Protection ensures you’re not left alone to shoulder the financial burden of a civil lawsuit.
Legal fees can mount up rapidly during a civil case, and the potential financial implications can be devastating. By having this coverage, you’re safeguarded against the financial strain that may arise from defending yourself in civil court.
It’s a crucial layer of protection that helps ensure that you can defend your actions legally without jeopardizing your financial well-being.
Up Front Money
One of the most significant benefits of Firearms Legal Protection is that they provide you with up-front money to help you hire an attorney right from the start. When you’re in a self-defense situation, time is of the essence.
Legal proceedings can move quickly, and the quality of your defense often depends on having a skilled attorney by your side from the very beginning.
With up-front money, you don’t need to worry about how you’ll come up with the funds to secure legal representation. It’s a financial lifeline that ensures you can access the legal expertise you need without delay.
This immediate support can be a game-changer in the critical early stages of your legal defense, helping to set the tone for the entire case.
Having access to up-front money means that you can make informed decisions, secure a knowledgeable attorney promptly, and set the foundation for a strong defense.
It’s an essential aspect of Firearms Legal Protection that demonstrates their commitment to supporting you in every way possible during a self-defense incident.
Bail
In the unfortunate event that you find yourself behind bars due to a self-defense incident, Firearms Legal Protection comes to your aid. They can help you post bail quickly, ensuring you don’t spend unnecessary time in custody.
This feature is not only about your freedom but also about your ability to continue preparing your legal defense from the outside.
Being incarcerated can be a highly stressful and intimidating experience, especially if you’re unsure about your legal situation.
Firearms Legal Protection’s bail coverage provides you with the means to secure your release promptly, allowing you to consult with your chosen attorney and maintain a sense of normalcy while facing the legal process.
Per Diem
Legal proceedings, whether criminal or civil cases, can be lengthy, often requiring multiple days in court. During this time, you may incur various legal fees, including travel, meals, and accommodation.
Firearms Legal Protection offers a per diem allowance, which means you receive daily financial support to cover these legal costs.
The per diem benefit helps alleviate the financial burden of attending court hearings and ensures that you can participate in your legal proceedings without worrying about daily expenses.
This support allows you to maintain your focus on your case and ensures that you’re adequately prepared throughout the legal process.
Appeal Coverage
Legal battles don’t always end with the initial trial. Sometimes, the need for an appeal arises due to various reasons, such as unfavorable verdicts or procedural errors. FLP recognizes this possibility and provides appeal legal coverage.
If you need to appeal a legal decision, whether in a criminal or civil case, this CCW insurance insurance has you covered. Appeals can be lengthy and expensive, often requiring additional legal expertise.
The appeal legal coverage ensures you have the financial resources and legal support needed to pursue justice or a favorable outcome through the appeal process.
Choosing Your Own Attorney
In the realm of legal defense, having your own attorney you trust and who understands your unique circumstances is essential. FLP recognizes this and provides you with the freedom to choose your own attorney.
This ‘own attorney’ feature empowers you to select a legal representative who aligns with your values and can provide personalized support throughout your legal defense. It’s a significant advantage because it ensures that you have a strong advocate who can effectively navigate the complexities of your legal defense proceedings.
Multi-state Protection
For those who frequently travel across state lines, it’s crucial to have consistent legal protection. FLP offers multi-state protection, meaning that you’re covered regardless of where you are.
This is particularly important because self-defense laws can vary from one state to another, and navigating the legal system in an unfamiliar jurisdiction can be challenging.
Multi-state protection ensures that you have the same level of support and coverage, whether you’re at home or traveling.
It eliminates the uncertainty and potential legal pitfalls that may arise when crossing state borders, providing a seamless and consistent self-defense insurance experience.
What Firearms Legal Protection Doesn’t Cover
FLP offers comprehensive coverage, but it’s equally important to understand what it doesn’t cover. One significant exclusion is:
Civil Liability
While FLP provides extensive support for criminal defense and civil defense in cases where you’re facing charges, it does not extend to covering liability (civil) claims. Civil liability claims typically arise when you are sued for causing injury or damage accidentally, outside of self-defense scenarios.
This could include situations where your firearm discharges unintentionally or causes unintended harm.
It’s essential to recognize that civil liability can result in costly legal battles and potential financial obligations.
Therefore, if you’re concerned about the broader spectrum of liability outside of self-defense, you may want to consider additional liability coverage to ensure full protection in all firearm-related incidents.
Pros and Cons of Firearms Legal Protection Concealed Carry Insurance
As with any insurance product, there are both advantages and disadvantages to consider when evaluating FLP. Let’s take a closer look at the pros and cons:
Pros:
Comprehensive Coverage: FLP offers a robust package that covers legal costs for both criminal and civil cases, bail, and more. This comprehensive coverage can provide significant peace of mind for firearms owners.
Affordable Monthly Premiums: The cost of FLP is often quite reasonable, with monthly premiums that are comparable to routine expenses like a gym membership. This affordability makes it accessible to many firearms owners.
Nationwide Protection: Whether you’re at home or traveling across state lines, FLP provides multi-state protection, ensuring you’re covered wherever you go. This eliminates the concern of navigating different legal systems in various jurisdictions.
Freedom to Choose Your Attorney: The ability to select your attorney is a valuable feature. It ensures you have legal representation that you trust and who understands your unique circumstances.
Cons:
Limited Civil Liability Coverage: Firearms Legal Protection does not cover civil liability claims, which may include accidental firearm discharges or unintended harm. If you’re concerned about such situations, additional liability coverage may be necessary.
Firearms Legal Protection vs Other CCW Insurance
| Feature | CCW Safe | USCCA | Second Call Defense | ACLDN | U.S. Law Shield | Right to Bear | Firearms Legal Protection |
|---|---|---|---|---|---|---|---|
| Monthly Cost | $16-42 | $29-49 | $10-35 | $12 | $11 | $11 | $17-45 |
| Criminal Defense Max | Unlimited | Unlimited | $100,000 | Unlimited* | Unlimited | Unlimited | Unlimited |
| Civil Defense Max | Unlimited | Unlimited | $1,000,000 | Unlimited* | Unlimited | Unlimited | Unlimited |
| Civil Liability Max | $1,000,000 | $2,000,000 | $250,000 | $0 | $0 | Unlimited | $0 |
| Pick Own Attorney? | Yes | Yes | Yes | Yes | No | Yes | No |
| Money Up Front? | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Per Diem Max | $250 | $750 | $500 | n/a | n/a | n/a | $300 |
When considering FLP, it’s essential to compare it to other concealed carry insurance options. Each CCW insurance provider has its unique features and offerings.
Here are a few points to consider when evaluating FLP against other CCW insurance:
Coverage Specificity
Some CCW insurance providers may offer more specialized coverage, such as additional protection against accidental discharges, lost or stolen firearms, or legal defense for criminal charges not related to self-defense. It’s essential to assess which aspects of coverage are most important to you.
Cost
Compare the premiums, deductibles, and overall costs of different CCW insurance providers. Consider what you can afford and whether the cost aligns with the level of coverage you’re receiving.
Customer Service
Look into the reputation of the insurance provider for their customer service and responsiveness. Having a supportive and efficient provider can be invaluable during a stressful situation.
Exclusions
Examine the exclusions and limitations of each CCW insurance policy. Determine whether there are specific circumstances that aren’t covered, and if these align with your needs and concerns.
Reviews and Recommendations
Seek out reviews and recommendations from other firearms owners and experts in the field. They can provide insights into the quality and reliability of the insurance provider.
Ultimately, the choice of CCW insurance should align with your unique needs and priorities. Consider the coverage, cost, and limitations to select the option that best suits your requirements.
Conclusion
In today’s world, personal safety is a priority for many, and understanding the legal intricacies of self-protection is vital. FLP offers a comprehensive solution to navigate the complexities of self-protection situations, providing much-needed peace of mind.
While it is not a one-size-fits-all solution, it has numerous merits that can be invaluable to responsible gun owners.
As you consider subscribing to concealed carry insurance, it’s important to weigh several factors. Firearms Legal Protection offers an affordable and comprehensive package, covering aspects like criminal defense, civil legal defense, bail, and more. Its nationwide coverage and the freedom to choose your attorney add substantial value.
However, it’s crucial to keep in mind that it does not cover civil liability claims, such as accidental discharges or unintended harm, which may necessitate additional coverage.
Selecting the right insurance should be a carefully considered decision. Review your unique circumstances, financial considerations, and specific concerns before making your choice. It’s worth researching and comparing various options to ensure you’re adequately protected in the event of a self-protection incident.
FAQ
Does Firearms Legal Protection cover accidental injury or damage caused by my firearm?
No, it doesn’t. Firearms Legal Protection covers criminal defense and civil defense in cases of self-defense, but not civil liability for accidental harm or damage.
Can I choose my attorney with Firearms Legal Protection?
Yes, you have the freedom to select your attorney, ensuring you have legal representation you trust.
How much does Firearms Legal Protection cost?
The cost of Firearms Legal Protection varies depending on your chosen level of coverage, but it’s generally quite affordable.
Is this insurance valid across state lines?
Yes, Firearms Legal Protection offers multi-state protection, ensuring you’re covered wherever you go.
What should I consider when choosing CCW insurance?
When selecting CCW insurance, consider the comprehensiveness of coverage, cost, and any limitations or exclusions. Think about your specific needs and priorities, such as the level of legal protection you require and any concerns about civil liability claims.