quote:

Originally posted by smschulz:
I have it but hope never to have to use it.
Hard to know as every situation is different.
I guess you would have to ask someone who actually had to invoke their services.
I imagine the Perry Mason's and jhe888's are won't like not getting full boat on their uber-fees so I see them being skeptical.
But again I hope never to have to use it.
YMMV

quote:

Originally posted by jhe888:
I do not know.

BUT - read the coverage you actually get. I find it very difficult to believe you will get a complete defense to a wrongful death suit for $11 per month. A defense like that could easily cost $100K. Defending a murder charge will cost $50K to $100K, easy. All I can say, is the area this happened the town homes do look all alike, rows and rows of the same, the colors may be different but to a drunk guy they may have all looked the same.


I bet you get some basic coverage, advice, and maybe a little letter writing. I find it hard to imagine you get a lot more than that.

Read the policy. I know that seems like weird advice, but reading the contract you are about to enter is often a smart thing to do.

quote:

Originally posted by chuck416:If you ever point a firearm at another individual (never mind fire at someone else) you may find yourself in a situation where you have to spend $200,000 to stay out of prison.

quote:

Originally posted by jhe888:
I don't do any of that work, so it isn't my fee. But I do know how much litigation costs, so my comments have some value.

You may think they are uber-fees, but that is the going rate for competent lawyers to handle such matters. When your life and treasure are on the line, get the cut-rate lawyer if you can find one. You'll find out what you get for half the price.

You can't really expect to pay hot dog prices and get a steak.

quote:

Originally posted by parabellum:
Edit your subject line, please. No reason for ALL CAPS

quote:

Originally posted by Loswsmith:
I do criminal defense for Washington State, Seattle-Tacoma area. Here, you are looking at somewhere between $5000 (for misdemeanor (less than a year) offenses to $100,000 for murder. The chances are that in most major urban areas, the prices will be more or less similar. There is no way that by paying what amounts to Netflix basic rates that you could get a criminal defense that is similar. For a civil defense, most homeowners insurance will cover (at least at first) the defense for an incident in your home (if you own a home). And civil attorney's are mercenaries, they will fight as long as they are paid. Stop paying (or remove the possibility of a pay day at the end of the day because the person you are suing owns a $400 handgun to their name and that's it), there won't be a fight anymore. So if you have something to protect, you are going to need to pay real money to defend it, if you don't, you won't. Probably.

I tell anyone who asks me about this: 1) in Washington it's illegal to offer the "insurance", and 2) you are FAR, FAR better served putting that money towards getting training that can certify what you know in case something happens. That way your money is put towards proactively making sure that you and your family survive at the end of the day and just maybe will stop the event from happening due to stuff you learned.

Just my $.02.

quote:

Originally posted by rpm2010:

quote:

Originally posted by Loswsmith:
I do criminal defense for Washington State, Seattle-Tacoma area. Here, you are looking at somewhere between $5000 (for misdemeanor (less than a year) offenses to $100,000 for murder. The chances are that in most major urban areas, the prices will be more or less similar. There is no way that by paying what amounts to Netflix basic rates that you could get a criminal defense that is similar. For a civil defense, most homeowners insurance will cover (at least at first) the defense for an incident in your home (if you own a home). And civil attorney's are mercenaries, they will fight as long as they are paid. Stop paying (or remove the possibility of a pay day at the end of the day because the person you are suing owns a $400 handgun to their name and that's it), there won't be a fight anymore. So if you have something to protect, you are going to need to pay real money to defend it, if you don't, you won't. Probably.

I tell anyone who asks me about this: 1) in Washington it's illegal to offer the "insurance", and 2) you are FAR, FAR better served putting that money towards getting training that can certify what you know in case something happens. That way your money is put towards proactively making sure that you and your family survive at the end of the day and just maybe will stop the event from happening due to stuff you learned.

Just my $.02.

So would bumping up umbrella coverage be a better bet in these criminal defense type situations? Homeowner's umbrella coverage is not all that expensive, maybe hundreds rather than thousands per year.

quote:

I tell anyone who asks me about this: 1) in Washington it's illegal to offer the "insurance", and 2) you are FAR, FAR better served putting that money towards getting training that can certify what you know in case something happens. That way your money is put towards proactively making sure that you and your family survive at the end of the day and just maybe will stop the event from happening due to stuff you learned.

quote:

Originally posted by ZSMICHAEL:

quote:

I tell anyone who asks me about this: 1) in Washington it's illegal to offer the "insurance", and 2) you are FAR, FAR better served putting that money towards getting training that can certify what you know in case something happens. That way your money is put towards proactively making sure that you and your family survive at the end of the day and just maybe will stop the event from happening due to stuff you learned.

^^^^^^^^^^^
Solid advice here from an attorney. Prevention is worth a pound of cure.

quote:

Originally posted by smschulz:

Not everyone can afford an OJ Dream Team even though we all want one.