Concealed Carry Life: Do You Need an Attorney?

Concealed Carry Life: Do You Need an Attorney

We carry, in a sense, as a form of insurance. The vast majority of us don’t want to shoot anyone—we’re much less likely to than even law enforcement officers—but the fact is that the unthinkable can happen.

And we want to be ready.

So in addition to the training, selecting the right firearm for you, buying the perfect holster, and all else that goes into carrying a concealed handgun, there’s another question to consider: do you need an attorney on speed dial?

It’s an important question. Regardless of how you feel about George Zimmerman and the shooting of Trayvon Martin, the fact remains that –right or wrong—the latter is dead and the former faced over a million dollars in legal fees. This is a nightmarish situation—more so if you’re justified in a self-defense shooting. Viewed from that angle, an attorney on call, if not on retainer, makes a lot of sense.

There are a couple of options for you. The first and most obvious is to find an attorney in your area and working something out with them. It’s the simplest and most direct approach, however you need to make sure to find an attorney who is sympathetic to your situation, effective in the courtroom, and familiar with the many legal issues which accompany concealed carry. There are some great online guides for finding such an attorney, so take a look and educate yourself.

Secondly, pre-paid legal insurance is a growing industry in this country. There are many different plans and approaches, but in general for a monthly fee you get access to a lawyer or team of lawyers, and some level of legal coverage. It’s essentially a budget-friendly form of a retainer, and it offers advantages in all aspects of your personal and professional life. CCW folks should probably consider selecting a plan that specializes in self defense cases and the many, many legal issues and challenges around concealed carry law.

Regardless of what you decide, it’s important to at least consider the question in advance. A good attorney can supplement your own research and understanding of your state’s CCW and self-defense laws. Given that such laws are subject to changes, expert help in interpreting them is exceptionally useful. And—like your CCW itself—knowing that you have some legal protection is another step toward peace of mind.

So take some time to think it over. I sincerely hope none of us ever have to use a weapon in self defense, but should disaster strike I hope it goes as well as it can, both during the incident and in the aftermath.

Stay safe out there.

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  • Alan Lynn

    We train for the worst day in our life. We also have think of all the days after.

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  • I know this has been covered, but would an insurance policy be good enough? One that covers lawyer representation.

    • tmsassoc

      Maybe, but more likely not. Policy limits on those tend to be rather low and there can be caveats about the kind of incidence covered. The reference to “CCW Safe” by Cobrawing is the first I have heard of them. The “kicker” if you will regarding them is you must have a “carry license” to sign up for their network. They are, from their web site, the most comprehensive in what they offer. From the comparison page on the CCW Safe web site the USCCA plan mentioned by Mikial comes in second. Second Call Defense and US / TX Law Shield seem to be tied for a bit of a distant 3rd and I have not been impressed by the information I have seen on the NRA plan even before looking at the CCW comparison page even though I am a life member of NRA. At the moment I carry the top level USCCA program (they have 3 options), and will continue to do so. I am not currently licensed to carry but the USCCA package provides me coverage if anything happens in my home or anyplace I have to defend myself or family even if weaponless. If I do obtain a license, which I am working towards, I may add the CCW Safe program as well since the current price of $129.00 per year is quite reasonable and much less than the Platinum level of USCCA which is $347.00 a year. The Gold level is $247.00 and the Silver is $147.00. They do offer a monthly payment plan on all levels which results in a slightly higher cost but less than $20.00 on any level. Know this has gotten a little long but I thought to provide as much information as I could would be better than a simple “maybe.” There are times where a supplemental, specialty package can be worth the extra dollars it might cost. Given that any of the plans mentioned above fall within the range of the CCW Safe package and the USCCA packages the small amount per year can prove to be money well spent.

      • I wonder if there are resources that show how each plan has worked in real life, meaning ratings. Saying what they offer is one thing, how they really work for real people when needed is another.

        • tmsassoc

          I haven’t seen anything in that regard so far but I do know that USCCA has at least a couple of posts on FaceBook/Youtube of people who have used the plan and were willing to share their experience.

        • Keith A. Milligan

          Yes Jim, USCCA has numerous video testimonials of how members have used their services in real life self defense cases.

      • Keith A. Milligan

        Please stop sharing false information about USCCA. They’re a great program and I have the highest level myself. USCCA Platinum level is not less than $20 a month. To be exact, it’s $30 a month and CCW safe doesn’t even come close to comparing to USCCA in no respect. That $129 a month covers no one but the individual. Compare their much more expensive family plans to the USCCA plan and you will clearly see it’s about the same. The current USCCA plan you have covers you, your spouse and children in the event of a home defense situation since you are not a CCW license holder as well as covers you in a self defense situation if you are carrying concealed with a CCW license. However CCW Safe does have a home defense plan for non CCW license holders. Not to mention that CCW safe comparison chart is highly inaccurate in reference to all the other insurance plans. Of course they gonna rate themselves the top on their own website.

  • Cobrawing

    Another excellent article Michael! I spent four decades in law enforcement and came to realize long ago that the BEST piece of equipment any lawful gun owner can have, in addition to their firearm equipment, is a solid legal protection program designed for concealed carry good guys. I examined all of the top plans and chose “CCW Safe” for my own coverage now that I’m retired from law enforcement (but still carry). There are other good plans out there as well. I would strongly advise every concealed carrier to make sure you cover yourself BEFORE an incident occurs. I carry their official card with me at all times and they cover me nationwide round the clock.

    We spend so much time and money on our equipment, but how many of us are so vulnerable to financial ruin in the event of an incident . . . even one when we are in the right. Criminals and their families seem to get free government legal assistance in coming after us, while we tend to go into financial ruin trying to defend our lawful actions. The gift of a full year of comprehensive legal coverage from a specialized group of firearm expert lawyers (and investigators) is invaluable.

    Please, please to all my fellow concealed carry brothers and sisters . . . give yourselves the gift of some kind of legal coverage BEFORE an incident. This makes for an excellent Christmas gift for a loved on as well!

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  • Mikial

    We both carry reliable accurate guns daily, train weekly, have insurance coverage through USCCA, and a solid 2A law firm on a retainer and set for speed-dial on the phone. And yes, all those factors make us feel far better about the risks of life than we would otherwise.

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