Charles L. Cotton wrote:I try to stay out of prepaid legal discussions, but remember the old saying "you get what you pay for." $100/yr buying a lawyer all the way through trial on a murder charge?
Chas.
Normally I would agree with you Mr. Cotton, but look at it like this: State Farm is gambling that with enough volume the risks of paying out $250,000 or more on your home owners insurance is offset by the $900 a year they collect simply due to the odds. Places like this firm in Houston are gambling that CHL holders, non-felon, non Class A or Class B misdemeanor, offenders, are most likely to only ever be involved in a justifiable shooting. They are betting that all they really have to do is file the paperwork to make sure you get "no-billed" and file the motion to dismiss in the civil suit if it happens. I'm willing to wager that there are some of you that have been CHL holders since 1996 and that had you had their services since then you've paid a little over $2000. If you've never been in trouble, and never been arrested for a shooting, answer me this. Who is winning in the gamble at that point? They've made two grand from you and never even spent a billable hour doing anything. I think that volume is the key to their idea. The number of CHL holders that are justified in their shooting, that actually go as far as a criminal trial for murder, is probably extremely low. I am pretty sure that the lady told us that if you just go out and shoot somebody that they aren't going to help you. It's insurance, and like all insurance companies its a gamble that they make enough volume to justify the next to nothing that they really do. With enough volume, they can afford to take the occasional, albeit very rare, case all the way through trial.
This is all just my opinion, and I am not a client of theirs yet, I've just been thinking about it, and I don't have the resources to put an attorney on retainer or pay the bill if I need one in case of a shooting. I also don't want to trust my life to a public defender.