AOR Covers What Other Insurance-Backed Programs Won’t
When it comes to self-defense protection programs, the fine print is where many people get left behind. Traditional insurance-backed programs often build exclusions into their contracts, designed to protect the company rather than the individual. These exclusions allow companies to deny coverage if your permit is expired, if the incident occurred in a gun-free zone, if drugs or alcohol was involved, and much more.
At Attorneys On Retainer (AOR), we take a different approach. Because we are backed by The Attorneys For Freedom Law Firm, our duty is to our clients, not to an insurance company. That means no hidden exclusions, no insurance adjusters, and no walking away when the legal battle begins. AOR covers what other programs don’t.
AOR Covers You Even If
You are Charged or Convicted of a Criminal Act
We do not deny coverage because you are charged with a crime. If you claim you acted in self-defense and satisfy our other two criteria for coverage, we will represent you.
- Example: You are charged with manslaughter after defending yourself. Other self-defense insurance programs might deny coverage, but we stay committed throughout the entire process.
You Used an Illegal Weapon
We do not exclude coverage based on the type or legality of the weapon used. If the weapon you used for self-defense is illegal or unregistered in your area, we will still represent you.
- Example: You use a friend’s handgun during a home invasion, but it is not registered in your name. Or you use brass knuckles, which are banned in your state. If you claim self-defense, you are covered.
You Have a CCW Permit That Is Invalid, Expired, or Non-existent
An expired, invalid, or non-existent concealed carry permit does not disqualify you. If the incident was in self-defense, you are covered.
- Example: You forget to renew your concealed carry permit and end up using your weapon to stop an immediate threat. Most self-defense programs backed by traditional insurance might deny coverage, but we will not.
The Incident Occurred in a Gun-Free Zone
If you are forced to defend yourself in a location where firearms are prohibited (like schools, government buildings, or private businesses), you are still covered.
- Example: You are attacked in a parking lot of a posted gun-free business. You used your firearm anyway and saved your life or the life of another. We will represent you.
You Are a Prohibited Possessor
If you are legally barred from owning a firearm (e.g., due to a felony conviction, a restraining order, or a mental health issue), we will still represent you if your use of force was in self-defense.
- Example: You are a former felon who uses a relative’s gun to stop a home invasion. While possession was illegal, using force was in defense of life, and we will still represent you.
You Were Impaired by Drugs or Alcohol
We do not deny you coverage just because you were under the influence of alcohol or drugs. If you claim self-defense, we will represent you.
- Example: You are attacked while walking home from a bar, and you use force to protect yourself. Because you acted in self-defense, we will represent you in court.
Your Incident Is Deemed a Domestic Dispute
We understand that self-defense in domestic disputes can be complex and is often overlooked by other self-defense programs backed by traditional insurance. However, we will still represent you if you claim self-defense, regardless of whether it involved someone close to you.
- Example: During a domestic dispute, you are attacked and defend yourself. The police arrest you based on the other party’s accusation. We will still represent your claim of self-defense.
You Are in a Less Gun-Friendly State
Some states have stricter gun laws and may restrict firearm use for self-defense. However, AOR provides coverage in all 50 states. Even in states with stricter rules – such as New Jersey, New York, or Washington – AOR continues to support responsible firearm owners. The right to defend yourself is recognized across state lines, and AOR’s commitment to your defense remains regardless of where you are.
- Example: You are traveling through New Jersey with your firearm and are faced with an immediate threat. As a result, you use your firearm to act in self-defense. Despite the state’s strict firearm laws, we will still handle your defense if you are charged with a crime.
