Carry "Insurance" Yes or No

[oneoff]

I, too, am with colt-saa in my views.
And I've carried longer, although I fail to see how that is relevant.
There is virtually no way that I will ever use my gun in a remotely litigable manner; and if it comes down to that, I would wager there will be a "very" good chance that no one will question that use beyond a passing investigation.
Building a life-skill set that keeps the gun in the holster, the wearer out of trouble, and the reputation far beyond reproach is far more important in my book.
When I go to town and see the freak flags flyin' high, the bumper stickers, etc., that person should probably have insurance. So I suppose there is a place for it. Please don't get me wrong, I'm not afraid to be convicted of being a gun nut! But folks need to know that we're real, in every way, like real responsible.
Also, there are a number of lawyers who are interested in working these cases, and I will readily admit that I have one of these folk's business cards in the same sleeve as my carry card, always.

 

[luvsmiths]

I've had USCCA for several years. How good or bad is it? Hope I never have to find out.

So, what you are essentially saying is that you have been paying insurance for something for several years, and have NO CLUE if it is any good, and will even help you if you need it.

Ok then. How do I buy some too?

 

[zzclancy]

US Law Shield. Both my wife and I.

You're free to make your own choice.

 

[haywood]

CCW-SAFE for me.

 

[K Frame Keith]

If you live in or near New Jersey you know who to call.

 

[fatcat3]

I'm not saying it's a bad idea. On the other hand If I bought all the insurance that I was told I need I wouldn't have enough $ for food. So I voted no

 

[sigp220.45]

I wonder how many people who have it got it because it was peddled at their CCW class?

 

[BabaBlueJay]

I wonder how many people who have it got it because it was peddled at their CCW class?

They pushed USCCA at my training but I went with CCW Safe after reading both terms of service agreements. USCCA offers a bunch of extra stuff I did not need, all I wanted was a lawyer paid for up front and bail, both things CCW Safe does better IMO.

 

[LostintheOzone]

I first bought ins. when we were spending our winters doing the RV thing in the SW. We don't do that anymore but I still have the ins. Can't recommend it because I don't know how good it actually is. I know Massad Ayoob is associated with the company somehow.

The company is in WA and our AG shut down any new memberships for WA residents about a year ago. So just to show my support I'll probably renew every year.

 

[Jessie]

I carry a gun for insurance and I carry "insurance" for that also.
Call me chicken.

 

[mattallamerican]

seems like a scam to me

 

[Jessie]

I think the bigger scam would come when it's out of pocket on your own.
JMO

 

[Lee in Quartzsite]

CCW Safe, dual membership because my wife also carries. Not ever planning on using it, just like every fire extinguisher I have at the ready.

 

[BabaBlueJay]

CCW Safe, dual membership because my wife also carries. Not ever planning on using it, just like every fire extinguisher I have at the ready.

Smart since you both carry. For me, my wife will never even touch a gun, thus the defender plan made most sense for me. She can still use mine in an emergency at home, and my kids are covered to protect the home. If that ever changes I will definitely get her a plan so I think that is prudent given your situation.

 

[Hasbeen1945]

Wife and I both have Texas law shield.

 

[CH4]

I am also with Colt SAA

I know a couple friends, some are attorneys, who've bought CCW insurance, it's their $$. For me it's all about statistical probabilities; we all roll the dice and take our chances.

Depending on where you live, I think most would be better served buying lightning strike insurance, cuz your odds of getting hit by lightning are much greater than popping a bad guy. Not to say it can't happen, but I made it through a 30 year law enforcement career, carry off duty almost every day since I was 18, worked for the Bureau of International Narcotics and Law Enforcement in Iraq and Afghanistan and, fortunately, still haven't had to pull the trigger; I've pointed a gun at many bad guys, but never had to squeeze one off. YMMV

 

[blues7]

I am also with Colt SAA

I know a couple friends, some are attorneys, who've bought CCW insurance, it's their $$. For me it's all about statistical probabilities; we all roll the dice and take our chances.

Depending on where you live, I think most would be better served buying lightning strike insurance, cuz your odds of getting hit by lightning is much greater than popping a bad guy. Not to say it can't happen, but I made it through a 30 year law enforcement career, carry off duty almost every day since I was 18, worked for the Bureau of International Narcotics and Law Enforcement in Iraq and Afghanistan and, fortunately, still haven't had to pull the trigger; I've pointed a gun at many bad guys, but never had to squeeze one off. YMMV

If we're going with statistical probabilities, I guess we should have gone unarmed on our warrant service, arrests and entries.

Like you, I went through a career pointing weapons at bad guys hundreds of times and never had to put any down...though came close a few times. (This includes five years or so on SRT.)

I like knowing that if I do have to face trial, I won't leave the missus destitute if it all goes sideways.

I don't drive without car insurance, I have my home and property insured, I have health insurance. This is just another layer of protection.

Worth it? I think so. I don't know why this topic is so polarizing to some folks. I certainly don't advocate anyone getting something they don't think they need.

(Not pointing the finger at you as one of those who gets hysterical over the subject.)

 

[ladder13]

…..

Worth it? I think so. I don't know why this topic is so polarizing to some folks. I certainly don't advocate anyone getting something they don't think they need.
…."…….

Everything is polarizing around here, unfortunately.

Since I don't waste thousands of dollars a year on tobacco or alcohol products, which are actually doing harm to my body, I am thinking of getting insurance.

I do me, you do you, is my view.

 

[Imissedagain]

P.S. Sorry if this has been asked ad nauseum, I am newer here and did not see it in the sticky posts or first few pages.

The Archives are chock full of information about most anything you might want to know.
Don't be lazy.

Always nice to have lawyers and doctors in the family.
Does medical insurance cover you getting shot/wounded and are there limits including rehab?

A well made BPV is always nice to have on hand.
My boy's buddy, when he put on a Badge, gave me one to repay for loosing our four life jackets when they were teenagers.
Good kid.
Mediocre fishing skills.

 

[CAJUNLAWYER]

I decided for me it's worth the 209$ a year I'll just spend 200$ less on my 1,000$ ammo budget. I'd rather have 200 less rounds of .357 magnum than be on the hook for a lawyer. Plus they had a discount for first year at CCW safe LODS10 so I ended up paying 190 for the first year instead.

They may not be perfect but I can't afford a lawyer on retainer, I can afford 209$ less in ammo per year. I usually shoot 1,000 rounds a year and can buy that for around 800$ maybe it's a gimmick but I read the terms a third time just now and felt confident in CCW safe.

What is this "lawyer on retainer" of which you speak? I'm serious-because the statement made by you twice indicates a serious lack of understanding of how the legal profession works in real life.
In real life, you need a lawyer you call him/her. Believe me the lawyer will take your call even though he/she is not on retainer.
Real life works very different from the internet. And I personally would not want to be represented by the kind of lawyer that these guys will drum up. If you can't afford a lawyer you would be better served with a public defender than one of these guys. But your money your choice-best of luck to you