I was wondering if anyone is a member and to know if anyone has had to use it? I took a CHL class and they had a rep there trying to get everyone to sign up. A friend of mine thought it was a scam.
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I have it, and I would encourage anybody carrying a handgun to get this or any other insurance. IF, and that's a big IF, you ever get into any issue with your handgun - you had better either have this kind of insurance or a whole lot of money. I have some money, but I surely don't want to use it for lawyers or a long court appearance. You will need help even if you did something like shooting a dog that attacks you, you have to pull your gun for whatever reason, etc...
I have it and wouldn't let it lapse.
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Originally posted by BowDude View PostI have it, and I would encourage anybody carrying a handgun to get this or any other insurance. IF, and that's a big IF, you ever get into any issue with your handgun - you had better either have this kind of insurance or a whole lot of money. I have some money, but I surely don't want to use it for lawyers or a long court appearance. You will need help even if you did something like shooting a dog that attacks you, you have to pull your gun for whatever reason, etc...
I have it and wouldn't let it lapse.
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Originally posted by sethcros View PostHave you ever spoken with any of the attorneys? What was your impression of them if you have?
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I have them as well, thankfully I have not had to use them. However, I work for a large law firm, most of the attorneys that I work with that carry use them and they recommended using them. Several of my attorneys have spoken with TLS attorneys and said they sound like a very solid investment for less than $150 a year.
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Originally posted by txpitdog View Post
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Originally posted by txpitdog View Post
The article is more of trashing them for the way they get people to sign up. They came to my class and said this lady is hear to talk to you about this, if you do not want to listen step outside for a quick break. We shall see how the Barratry claim plays out but that has nothing to do with their services. They don't claim to protect you from negligent discharges or anything like that, just protect you if you draw your weapon to protect yourself, fire it or not.
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Originally posted by hoythitman View PostThe article is only giving partial truths. You are protected and will not be convicted. But it could cost you $10,000 to get to that point. These cases don't happen in 2 days. These things take years, lots of discovery, depositions, etc... if you go at that without an attorney you will likely slip up somewhere. So that leaves you paying several thousand dollars minimum to defend yourself for a year to three years. They can bring a civil law suit and break you financially regardless of weather you were not criminally charged or convicted.
The article is more of trashing them for the way they get people to sign up. They came to my class and said this lady is hear to talk to you about this, if you do not want to listen step outside for a quick break. We shall see how the Barratry claim plays out but that has nothing to do with their services. They don't claim to protect you from negligent discharges or anything like that, just protect you if you draw your weapon to protect yourself, fire it or not.
The point I took from it is that there is an opportunity for TLS to determine if the specific case is covered. Not that it has happened, but there is a possibility for it to happen where TLS could use any ambiguity in the contract language to deny a claim for service. What a horrible mess to find yourself in not only defending against a use of deadly force charge but also a dispute over contract language over whether TLS should foot the bill.
The other point I wasn't aware of is the fine line that exists now that self defense is protected from civil court. So if you legally used your firearm in self defense, you get a no-Bill and cannot be sued and don't need TLS. If in examining your case TLS determines that you did not legally use deadly force(or if you are found guilty?) then that isn't covered.
I didn't post that to jam up TLS, but there are apparently some contract language intricacies that folks need to be very clear about before signing up and assuming they are covered for what they think they are. That's all
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