Brian Pfleuger
Moderator Emeritus
So, if I'm reading this right, your policy REIMBURSES expenses only, meaning the insured would have to pay all costs until they are actually acquitted?
The policy reimburses criminal defense ... if charges are dismissed or if you are found not guilty.
...
Many lawyers will consider your defense costs as insured and accordingly will charge a minimal retainer for your defense.
wthopkins said:many attorneys will consider legal expenses as insured in a righteous shooting and will defer to the insurance company for payment.
As noted above, many attorneys will consider legal expenses as insured in a righteous shooting and will defer to the insurance company for payment.
It's better to have a couple of thousand in reimbursement than nothing at all.
$100,000 (Colorado, New Mexico ‐ $360.50, Arizona ‐ $361.22)
$250,000 (Colorado, New Mexico ‐ $442.90, Arizona ‐ $443.79)
These are adequate policy limits.
The tough thing here is, there really-and-truly are not a lot of options for financing a self defense case.
* You can get a prepaid legal plan,
public defenders are notoriously eager to plea-settle and notoriously inexperienced at trial work.
(it's like getting a student doctor; they gotta learn their craft somehow, after all ... but they are typically at the beginning of a career, with all that entails)
Don't judge the insurance options too harshly, as there simply aren't any truly comprehensive policies out there for CCW holders.