By Attorney Marc J. Victor
Many of you have recently asked for a review of a competitor to our popular USCCA policy. So, we decided to delve into the Firearms Legal Protection’s Membership Agreement (FLP). Like the USCCA, FLP offers gun education, training, and legal coverage to its members at an affordable monthly fee. However, upon careful examination, we discovered certain drawbacks and exclusions in their policy that may be a cause for concern.
Is FLP the Right Choice for You?
As I mentioned in the USCCA review, companies like USCCA and Firearms Legal Protection are great for training and insurance purposes. However, if you are seeking real legal protection, you might want to reconsider their self-defense plan. One crucial point to note is that FLP may not cover you if you are charged with a crime during an act of self-defense.
Key Points to Consider
- FLP Picks the Lawyer to Represent You
- No Coverage if You Committed a Criminal Act
- No Coverage for Domestic Violence
- No Coverage for Brandishing a Firearm
- No Coverage for Negligent or Accidental Discharge of a Firearm
- Repayment Provisions if Member Contract Is Breached
FLP Picks the Lawyer to Represent You
In the USCCA post, we emphasized the importance of being able to choose your own attorney to ensure the best possible representation. Unfortunately, in FLP’s agreement, they reserve the right to pick the lawyer to represent you. Moreover, if you are unsatisfied with their choice, you have the option to hire your own attorney at your expense.
No Coverage if You Commit a Criminal Act
Similar to the USCCA policy, if the shooting is not deemed a self-defense scenario, you are likely to face criminal charges. Over 90% of criminal convictions result from plea bargains. Therefore, if you accept a plea to a lower charge, FLP may decline to provide you with member benefits. This raises the question of whether FLP truly offers the protection you signed up for.
No Coverage for Domestic Violence
Acts of self-defense within family-related disputes, such as domestic violence cases, are unfortunately common. However, FLP does not provide benefits for self-defense incidents arising from the use of a weapon against a current or former family member, household member, or dating partner.
No Coverage for Brandishing a Firearm
FLP explicitly states that no coverage is provided for incidents involving the brandishing of a firearm. Even if you wield your firearm as a defensive measure in the face of imminent danger, FLP will not extend its coverage to such situations.
No Coverage for Negligent or Accidental Discharge of a Firearm
Even responsible gun owners can experience negligent or accidental firearm discharges, especially in high-stress self-defense situations. If you find yourself in this unfortunate scenario, FLP will not provide coverage, leaving you to navigate the legal consequences on your own.
Repayment Provisions if Member Contract Is Breached
FLP’s Membership Agreement includes a provision that allows them to seek repayment of attorney fees and associated costs if you breach the contract. In the event FLP determines that you are not in compliance with the terms of coverage, you may be required to reimburse them for the expenses they incurred defending you in court.
If you’ve carefully reviewed the Firearms Legal Protection Membership Agreement, you should have a clear understanding of the level of protection it offers. Insurance companies cannot provide coverage for criminal acts. Therefore, FLP’s exclusion of criminal acts, along with many other limitations, may stem from its insurance-based approach. As a responsible gun owner, you should be aware that over 90% of criminal convictions result from plea bargains. Considering this, why involve yourself with a company that may decline benefits in cases of domestic violence, alleged brandishing of a weapon, or self-defense involving a potentially illegal firearm?
If you are seeking experienced, committed, and aggressive criminal defense attorneys in the event of a shooting, our Attorneys on Retainer Self-Protection Program is the plan you should consider.
Attorneys on Retainer – Self-Protection Plan
- We are a trusted law firm, not an insurance company with numerous exclusions.
- As a member of our Self-Protection program, we will never abandon you if you are charged with a crime.
- We cover 100% of your attorney’s fees if self-defense is reasonably asserted, even if your case goes to trial.
IMPORTANT NOTE About The Attorneys on Retainer Self-Protection Plan:
Our Self-Protection Plan is backed by an actual law firm with experienced, committed, and aggressive criminal defense attorneys ready to represent you if you are charged with a crime involving self-defense. We are prepared to stand by you, even if your charges stem from a criminal act. Unlike an insurance company, we won’t drop your case if you choose to plead guilty. That’s the critical difference between a law firm and an insurance company.
Visit the Attorneys on Retainer Self-Protection Program for more information today!