TexasCHLforum.com

Steven6702 wrote:My LTC status changed to "mailed" today, so I'm pretty stoked about receiving that in the next couple days. However, something that's stayed on my mind was the whole "you need pre-paid legal services" bit that my instructor tried to sell me on. I know there are threads discussing it and I don't think I want to go that route, but I do have some questions about the facts they presented.

The dude said that if you shoot someone, no matter what the circumstances are, you are going to be arrested and booked and your case will go before the grand jury. Even if it's open and shut, the grand jury has to rule, and you'll still end up spending many thousands of dollars to defend yourself through that process. Is this really true, or is there grey area depending on the circumstances?

Something else he said is that there is the potential to be sued for medical bills and other crap; I thought we were somewhat protected from that here in Texas. Is that truly something to be concerned with?

Does Renter's Insurance tend to cover shootings? Would it be wise to bump up the medical coverage on my renter's policy from $5,000 to something a little more meaningful if there's a small chance I might one day have to shoot an intruder?

I have enough savings not to have to worry about sudden expenses like those, so in my case, I don't think the expense of a pre-paid legal service is justified by the extremely small risk that I would ever actually have to shoot somebody. Still, I'd like to understand a little more about what happens if it ever actually does come to that.

Thanks for having a great forum!