Without getting immersed in the personal controversy, I have always been told that Ruger doesn't believe that anyone can blow up their guns so if one does blow they will replace it free of charge. Lying to them about it is silly since their policy is so broad. S&W, on the other hand, has a "bifurcated" policy, to wit:
If a gun blows up they want you to send it to them. They will examine it to determine if it is (a) metallurgy at fault or (b) something extraneous, usually bad ammunition. Their policy WAS, as explained to me by Customer Service 18 or 20 years ago, if it is "a" they will replace the gun, period. If it is "b" they will replace the gun at their cost. My blown up Model 19 fit into the "a" category (which I figured, actually [long story]) so they let me buy a new gun (any gun I wanted) at their cost.
I have not blown up another gun so I have not had the opportunity to do that again but I really think that is still their policy. About three years ago, maybe two, I bought some S&W factory 6906 magazines from Midway. They were defective. I sent them to S&W and they sent me new ones that worked.
So I work on the presumption that their policy is unchanged.
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