The Truth About Gun Insurance Policies
By Attorney Marc J. Victor
The whole idea behind being prepared to defend yourself after a self-defense event is that the company you contract with will defend you in your legal fight if you are ever charged with a felony crime, and you assert self-defense as your legal defense.
There are many self-defense programs on the market, and they all work differently. While some offer benefits such as firearms training, bail bond assistance, scene cleanup, or lost wages, many also contain exclusions that can limit or deny coverage when you are accused of committing a crime.
That distinction matters because a self-defense claim is often investigated as a criminal matter first. If you are charged with a serious crime, some programs may not provide the help you expected. Others may require you to repay benefits under certain circumstances.
That’s why it’s important to understand exactly what your program does and doesn’t cover before you need it.
While these additional benefits are nice to have, if you are charged with a serious crime, you need peace of mind knowing you have 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 company or insurance policy can’t provide you with an experienced criminal defense attorney of your choice or does not cover you in all cases of self-defense in felony matters, then the money you spent may be futile.
Many self-defense programs advertise valuable benefits, but the details matter. Some programs contain exclusions that can limit or deny assistance when a self-defense incident becomes the subject of a criminal investigation or prosecution.
Since those are often the moments when legal representation matters most, you should understand exactly how your program works before you need it. You can’t just compare benefits; you have to compare the exclusions as well.
The Attorneys On Retainer Program is administered and run by a well-established and experienced law firm with a national practice, which can represent you even if you have indeed committed a criminal act. It’s what we have done for the past 30 years. We have a group of experienced criminal defense attorneys who love defending people in self-defense cases. We will represent you as we would want to be represented ourselves.
If you’re looking for a self-defense program built around legal representation rather than exclusions, take a closer look at Attorneys On Retainer. Whether the incident results in a misdemeanor or felony charge, AOR provides legal representation when you can reasonably and in good faith assert self-defense or defense of others.
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 during a self-defense matter. According to Justia, over 90% of criminal convictions result from plea bargains. Although it may be a lesser charge, pleading guilty means you are still convicted of a crime. Additionally, many self-defense cases arise from domestic violence, firearm threats, and alcohol involvement. So why would you want to involve yourself with an insurance company that may not cover you even in some of the more common self-defense matters.
The Attorneys For Freedom Difference
The biggest difference between Attorneys On Retainer and the other self-defense policies is that AOR 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 Attorneys On Retainer, you are also a client of the firm and we will represent you as aggressively and professionally as we can.
If you want reliable legal defense for self-defense cases without all the unnecessary exclusions, be sure to check our Attorneys On Retainer Program. For more information, contact us by calling (866)-404-5112 or email us.
About the Author Criminal Defense Attorney Marc J. Victor
Criminal defense attorney and founder/owner of Attorneys For Freedom Law Firm, Marc J. Victor, specializes in major felony and self-defense cases. With experience as a legal commentator, he is also a long-time freedom activist and a former U.S. Marine Corps combat veteran of Operation Desert Storm.
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