CCW insurance

[FoxtArt]

through collaboration with qualified local co-counsel.

This is the problem with many of these programs (and never use prepaid legal through your work for piece of mind, it's a glorified referral service for broke attorneys).

Collaboration = they find an attorney willing to take on the case, as they need it, at a basement rate. Usually, in programs like this, the attorneys are either:
a) Hurting for work because they are not well recognized or have not developed a reputation.
b) Brand-spanking new
c) Rarely, occasionally experienced but fully burnt out and taking on as much work as possible, if it pays the basement rate, they will give basement work without a lot of care what the outcome is.

Point being: Yes, a defense encounter can cost you a lot of money. But, if one occurs, far better that you do your research and know who you want to call, than get assigned a glorified public defender. These companies only promise representation, not a standard when doing so, and their personal interest is to spend as little as possible. They publish success stories, not failures.

Money, vs. freedom. Also look and see if you are qualified for public defense. If the state would assign you a public defender, you may as well vs. paying the company to do essentially the same.