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Any good organizations? Looking at contracts (fine print), every one I've seen is actually junk.

Most of them state that they won't cover your defense if you are charged with a crime, which is the whole reason you need legal defense.

At least some of them require you to waive attorney-client privileges by forcing you to communicate with 'benefits' departments.

Most of them can demand repayment for your defense if you are convicted (or you accept a plea deal).

Many of them don't allow you to choose your own attorney.

Others have stipulations for things such as having alcohol in your blood.

The insurance sounds great, but they all have a way to completely fuck you over from what I've seen so far.

Any good organizations? Looking at contracts (fine print), every one I've seen is actually junk. Most of them state that they won't cover your defense if you are charged with a crime, which is the whole reason you need legal defense. At least some of them require you to waive attorney-client privileges by forcing you to communicate with 'benefits' departments. Most of them can demand repayment for your defense if you are convicted (or you accept a plea deal). Many of them don't allow you to choose your own attorney. Others have stipulations for things such as having alcohol in your blood. The insurance sounds great, but they all have a way to completely fuck you over from what I've seen so far.

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[–] • 1 pt

I used to have $100,000 of liability insurance and that was the cheapest. I think it was something like 40 bucks a year 10 years ago. I used it once when I flooded out my apartments kitchen and blew up someone's TV in the apartment below me. Why not look at liability insurance and see what the max is?

[–] • 0 pt

Umbrella coverage generally excludes self-defense. You need dedicated self defense insurance.

[–] • 0 pt

Oh. In my state I remember reading somewhere that you have to be shot at in order for you to return fire. And then expect to get arrested anyway.

[–] • 1 pt

Sounds like you live in a commie state. Move.