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(Original Question) I’ve been thinking about signing up for Second Call Defense. I probably will no matter the answer to this question but just had this thought and wanted to see what the response is. Does SCD cover you for other firearm related incidents that don’t involve self defense? For example, carrying a gun in a commie state like if I vacationed to New York or Illinois? Slightly more extreme situation, do they help protect me if I’m found to be in possession of some NFA items without the proper paperwork? If I have the basic plan and someone in my household uses one of my guns to defend against an intruder and I’m not home, do they help with that if I own the home and gun? Are there specific circumstances that they blatantly say they don’t cover or help with outside of the “I’m obviously completely in the wrong, misused a firearm, and am completely retarded” scenarios? You guys rock. No notes.
Additional Info From Mitch C:
I am the one that had the question about Second Call Defense and wanted to provide a little more clarity to what I was asking. When I heard you read it, I realized it did sound pretty retarded basically asking if I blatantly commit a felony will they protect me. That’s not what I meant, Jeremy.
The NFA part in my question was in reference to if I had my legally owned can out at the range and for whatever reason I don’t have a copy of my tax stamp on me. Or SBR. Or if there is a fudd agent that believes I have an unregistered SBR but it’s really an AOW because my overall length is greater than 26”. I’m not asking if I just go ahead and drill a third hole on a Wednesday night if they will defend me in court. I just want to know if they will cover me against a power hungry, incompetent ATF agent or like I said earlier, a lapse in judgement where I grab the wrong range bag that doesn’t have the tax stamp for my legally owned suppressor and my luck is so terrible that I cross an ATF check point at the range. Exaggerated and most likely not to happen but just curious.
The conceal carry in a bad state scenario is if I’m traveling from Ohio to Iowa and have to pass through Illinois. I believe the laws have changed to allow me to carry as long as I don’t have plans to stay in Illinois but please correct me if I’m wrong on that. But if it’s riot season and get caught up in a situation where I have to use it to protect myself, will SCD still cover me? Again, I know specific and it’s still breaking the law, to agree with Jeremy, but will SCD still fight for my right to self protection in that state? And I don’t even mean a Rittenhouse scenario, I mean I stop at a gas station to fill up and it just so happens to be wrong station at wrong time. I know, I know… be aware of surroundings and don’t put yourself in those situations but on a drive I’ve never taken before to a place I’ve never before and it’s just a stop for gas, who knows what’s off that exit. Very specific, I know, but just trying to paint a picture. Or does SCD only cover me when everything is legal and black and white and in the lines? I feel like these scenarios are very gray areas and not so black and white. Yes it’s illegal for me to carry in Illinois but does that still make it illegal for me to defend myself?
And the final part about someone in my house using my firearm to defend themselves is in regards to a girlfriend that lives with me. She’s not technically a spouse since we aren’t married and I travel for work so would it protect her? Or would the spouse add on still cover her even though she’s not a spouse?
I get it that these are pretty niche and specific questions but just wanted to see how deep they will go for your protection. I tried not to make the question too long originally but I guess I did not convey my message well enough. Or maybe I did and I am the retarded one. I apologize this ran on so long but just wanted to add some details and context. Love what you guys do and I just hope I can help get some info out to people that might have similar questions.
Info from Sean Maloney-
What Second Call Defense Covers: Second Call Defense was established to provide criminal defense and civil protection for members who use any weapon in self-defense or defense of others. We do not cover other firearm-related incidents that don’t involve self-defense. However, for such situations, we provide members with a list of highly qualified attorneys they can retain, and I will consult with their chosen attorney, free of charge. Keep in mind that Second Call Defense does not consider whether a member uses a firearm in a prohibited area all Second Call Defense considers is was there “some” evidence of self-defense, even if it can be refuted.
Coverage in All 50 States. It’s important to note that Second Call Defense covers all members in all 50 states, even if you reside in a state that prohibits the purchase of self-defense protection plans. By law, residents of Washington (WA), New York (NY), and New Jersey (NJ) are not permitted to purchase self-defense protection. However, if you are a Second Call Defense member and use a weapon in self-defense in WA, NY, or NJ, you are covered and will have access to full membership benefits.
Household Coverage: Regarding your question about household members using your firearm for self-defense when you’re not home-
Spousal coverage is available for as little as $5.00 per month. For underage children who use a weapon in self-defense, while they are too young to enter a contract, Second Call Defense will absolutely provide member services for any minor child. When I founded Second Call Defense, all my children were minors and quite proficient with firearms. I decided then that we would protect minor children for several reasons- it’s the right thing to do, and frankly, it’s also a great marketing opportunity.
Exclusions and Self-Defense Standard: You asked about specific circumstances that are not covered, beyond obvious misuse. For a Second Call Defense member or their attorney, the only requirement is to show “some evidence of self-defense, even if it may be refutable.” This is the lowest legal standard, essentially meaning “the bad guy attacked me, and I was in fear of death or serious bodily injury.” That’s all it takes, even if there’s evidence to the contrary. As a criminal defense attorney, I understand that everyone has the right to zealous representation, which is why I incorporated the “some evidence” language.I hope this clarifies everything.
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