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AR-15 Programs
Concealed Carry Insurancean Update
January 19th , 2021
Member Meeting
Terry Marksberry
You may be mentally and physically ready to handle a defensive gun use incident, but, are
you legally ready?
• Statistics
• Laws of Self Defense
• Criminal vs Civil Trials• Rules of Evidence
• Civil Penalties
• Self Defense Costs
• Types of Coverage
• Companies
•Comparisons
Presentation Topics
Are You Protected?
•97% of Automobile Drivers Are Insured…
•97% of Gun Owners Are NOT!
Statistics
Castle Doctrine
• Intrusion deemed “Life Threatening” by Law
•Lethal Force Justified
•Civil Suit Prohibited
•Need for Insurance Coverage Minimal
•At Least in Florida!!
Concealed Carry
•Far Greater Risk if DGU Incident Occurs
•Must conform to ALL 5 elements of the Laws of Self Defense
•Civil Suit Likely win or lose• Criminal Trial provides
ammo for Civil Trial
Variable Risks
Required Conditions to Claim
Self Defense
1. Non-Aggressor
2. Immediacy
3. Parity of Force
4. Duty to Retreat (FL Stand Your Ground)
5. Reasonableness
Laws of Self Defense
Criminal vs Civil Trial
Criminal Civil
Initiator State – DA Plaintiff
Penalties Prison/Fine/Parole Financial
Judgement Jury Jury or Judge
Attorney May be Provided You must pay for
Attorney
Protections Constitutional &
Criminal Law
None
Standard of
Proof
Beyond Reasonable
Doubt
Preponderance of
Evidence
•Bail Bond•Murder Case = Large
•Criminal Attorney
•Retainer
•Pre-Charge
•Pre-Trial
•Trial
•Investigator
•Witness Interviews
•Background Checks
•Discovery•Formal Statements
•Depositions
•Expert Witnesses•Forensic Pathologist
•Crime Scene Analyst
•DNA Lab Processing
•Blood Spatter Analyst
•Firearms Expert
•Use of Force Expert
Typical Cost Elements
•Trial Exhibits
•Photographs
•Demonstration Aids
•PowerPoint
Presentation
•Computer Animations
•Jury Consultant
•Social Media
Research
•Appeals or Retrials
Typical Cost Elements
Element Cost
Bail $100k
Criminal Attorney $200k
Investigator $30k
Discovery $10k
Expert Witnesses $50k
Trial Exhibits $40k
Jury Consultant $20k
Appeal(s) $50k
Conservative Trial Cost Estimate
$500,000Does NOT include Civil
Trial and Potential Damages
Typical Cost Elements
•“First Dollar” Coverage
• Pay when due or upfront
•NO out-of-pocket
•No cap legal services
•Criminal Prosecution
•Civil Litigation
•Appeals or Retrials
•Civil Penalties Covered
•No payback if Guilty
•Ancillary Services
•Bail Bond
•Lost Income
•Psychological Counseling
•24/7 On-Site Response
•Use of Deadly Force Coverage
• Firearms
•Other Weapons
•Out-of-State Coverage
Insurance Selection Criteria
Insurance Based
•United States Concealed
Carry Association
(USCCA)
•NRA Carry Guard• Withdrawn
•Second Call Defense
Legal Services
•CCW Safe
•US Law Shield
•Armed Citizens Legal Defense Network
Company Options
Company Bail BondChoose
Atty
Criminal Atty
Fees
Second Call Defense $5,000You
ChooseUp to $50k
US Law ShieldAdditional $$
Up to $50k
They
ChooseNo Limit
Armed Citizens LDNAssistance
$$ Unspecified
You
ChooseUnspecified
USCCA $50,000You
ChooseUp to $250k
CCW Safe $500,000They
ChooseNo Limit
Coverage Comparisons
CompanyCivil Atty
Fees
Civil
Damages
Any Legal
Weapon
Second Call DefenseUp to
$500k
Up to
$250kFirearms
US Law Shield No Limit No Yes
Armed Citizens LDN Unspecified No Yes
USCCA $2.0 MilShared with
Civil LimitYes
CCW Safe No Limit(+$220)
Up to $1.0 MilYes
Coverage Comparisons
CompanyExpert
Witnesses
50-State
Coverage
Training &
Content
Second Call Defense YesExcludes NY,
NJ, WA
Some
Content, &
Training
US Law Shield Additional AdditionalState
Specific
Armed Citizens LDN Yes Excludes WA Modest
USCCA Yes YesCCW Magazine,
Online Content
Outstanding
CCW Safe Yes Yes Modest
Coverage Comparisons
CompanySpouse/Faml
Coverage
Upfront Pmt
or Reimb.
Firearm
Loss
Second Call Defense +$60 Fee UpfrontReplacement
Program
US Law Shield Additional Fee Upfront No
Armed Citizens LDN +$60 Fee Upfront No
USCCA +50% Fee UpfrontShared with
Pers Hardship
CCW Safe +$100 UpfrontReplacement
Program
Coverage Comparisons
CompanyRed Flag
Coverage
Ongoing Atty
Access
In Court
Comp.
Second Call Defense No Unknown $250/day
US Law Shield Yes Unknown No
Armed Citizens LDN No No No
USCCA Yes Available $750/day
CCW Safe Yes Unavailable $250/day
Coverage Comparisons
CompanyHardship
Coverage
Psychological
Support
Investigator
Fees
Second Call Defense $1k Cleanup20 One hour
SessionsNot Defined
US Law Shield No No Not Defined
Armed Citizens LDN No No Not Defined
USCCA $6,000 $6,000 Not Defined
CCW Safe NoUp to 10
SessionsNo Cap
Coverage Comparisons
Company AppealsRecord
Expungement
On-Site
Response
Second Call Defense No No Yes
US Law Shield Retrials NoBy Phone,
Not Defined
Armed Citizens LDN If Needed NoMay
Request
USCCA Unknown NoNot
Specified
CCW Safe Yes Yes Yes
Coverage Comparisons
Company Low Tier Mid-TierTop
Tier
Second Call DefenseEntry
$119/yr
Full
$179/yr
Elite
$399/yr
US Law Shield1 Adult, 1 State
$131/year
Add on $$ for
Coverage
Armed Citizens LDNBasic (your
State) $135/yr
More States
Added $$N/A
USCCAGold
$300/yr
Platinum
$408/yr
Elite
$504/yr
CCW SafeProtector
$149/yrMil/LEO
Defender $179($399 w Civ Liab
Ultimate
$499/yr
Cost Comparisons
Company Positives Negatives So-So
Second Call Defense 3 7 4
US Law Shield 4 8 3
Armed Citizens LDN 2 8 4
USCCA 9 4 3
CCW Safe 11 3 3
Company Comparisons
USCCA
•Civil Atty & Penalty
•$50k Bail Bond
•Criminal Atty $250k
•Psychological Support
•Expert Witnesses
•Hardship Coverage
•Ongoing Atty Access
•Highest In-Court Comp
•Training & Content
CCW Safe
•Civil Atty & Penalty
•$500k Bail Bond
•Criminal Atty – No Cap
•Psychological Support
•Expert Witnesses
• Investigator – No Cap
•Appeals & Retrials
•Record Expungement
•On-Site Response
Top Two
Company Website
Second Call Defense secondcalldefense.org
US Law Shield uslawshield.com
Armed Citizens LDN armedcitizensnetwork.org
USCCA usconcealedcarry.com
CCW Safe ccwsafe.com
Contact Information
Company Email Phone
Second Call Defensesecondcalldefense@
dualcommercial.com877-502-3300
US Law Shield Message Screen 855-478-6607
Armed Citizens LDN Message Screen 360-978-5200
USCCA Message Screen 800-674-9779
CCW Safe [email protected] 855-639-2297
Contact Information
Immediate Actions
•Call 911
• Provide Your Name
•Give (Your) Location
•Request Police & Ambulance
• “I was attacked”
• “I had to defend my life”
•Do not sound cool, calm, & collected even if you can!
• If you have to leave the scene you MUST be able to explain why
•Don’t touch the crime scene
•YOU are the victim, act like it!
•Call your attorney at first opportunity
Self Defense Incident
First Responders
•Holster gun before LEO arrive
•Local LEO
•Name – ID
•Bare 911 Facts
•Point out perp weapon
• ID witnesses
•Do NOT consent to search
•Advise family or friends present – NOT answer any questions w/o atty
•Cooperate with LEO to the barest minimum, but respectfully
•Advise LEO, you need to speak with your atty before you make any statements
Self Defense Incident
Statements
•Write down everything you can remember
•Dialogue with attacker
•Actions causing you to draw and shoot
•How many witnesses
•Where you were coming from and going to
•Step by step details and timeline of the confrontation
Self Defense Incident
The Morning After
•May be news crews at your residence• If trespassing, call police
•Say NOTHING to the press
•May be used against you in court
Self Defense Incident
• Stay out of sight
Meeting with Your Attorney
•Tell your story in painful excruciating detail
•Leave out nothing
•Atty/Client Privilege
•Tell everything you know about perp, if anything
•Detail your self defense training & experience
Self Defense Incident
• In Florida, prepare for Self Defense Hearing
•Your Attorney will contact LEO, DA for determination
•Proactive legal work may avoid a trial
Two Days After
•CSI Finished
•LEO Investigation Finished
•Autopsy Finished
•DA Determination of possible charges
•Arraignment
•Plea
•Bail
Two Days Plus…
• If Charged
•Long Painful, expensive Ordeal
• If Not Charged
•Mental Ramifications
•Family, Friends, Neighbor Reactions
•PTSD
•Psychological Counseling
Conclusions
You may be mentally and physically ready to
handle a Defensive Gun Use incident, but, are you legally ready?
Final Thoughts
Parting Comment