The National Rifle Association has finally decided to get serious about the post-incident legal protection and launched NRA Carry Guard, their new product to compete against the United States Concealed Carry Association and a host of others.
There was bit of a controversy last week over the NRA rescinding the invites of competiting products to the Annual Meeting, and let’s face it, the timing kinda stunk. However, given the high-profile placement that NRA gave to their revamped and re-launched self-defense insurance product at the Annual Meeting, I can see why they didn’t want any competition on the floor
Did I mention that they went high-profile with this?
I wasn’t kidding. This was what we saw when we walked into the convention center…
… and this was the primary entrance to the show floor itself.
Subtle, they are not.
But how does NRA Carry Guard stack up to all the other post-incident legal plans out there? Fortunately for you, I’ve written about this sort of thing in the past, so I can attempt some sort of apples to apples comparison of all the plans out there. All the information on this comparison chart was created from either from what was on each plan’s website or from talking with representatives of each plan in-person or on the phone. As such, there are some gaps, as I’ve not managed to pry some info out of the a few of the companies on this list, and I recommend you read your policy very carefully before you sign anything*.
Comparing NRA Carry Guard To Other Plans
|CCW Safe||Second Call Basic||Texas / U.S. Law Shield||USCCA Silver||Armed Citizens Network||Self Defense |
|NRA Carry Guard Bronze|
|Bail||$25,000 / $250,000||$1,000 / $10,000||$2,500 / $25,000||$2,500 / $25,000||$25,000 + Merits||10% of Bail||$2,500 / $25,000|
|Your Own Attorney||-||Y||N||Y||Y||Y||Y|
|Criminal Defense||Y||$10,000||Legal Fees Only||$50,000||$25,000 + Merits||$100,000 Combined||$50,000|
|Civil Defense||Y||N||Legal Fees Only||$250,000 Combined||Based On Merits||$100,000 Combined||$250,000 Combined|
|Civil Damages||N||N||Legal Fees Only||$250,000 Combined||Based On Merits||$100,000 Combined||$250,000 Combined|
|Expert Witnesses||Y||Y||N||Up To Coverage Limits||Y||-||Y|
|"First Dollar" Coverage||Y||Up To $2,000||Y||Y||Y||Y||N|
|Cost||$129/year||$9.95/mo or $119/yr||$16.85/mo or $202.20/yr |
+ $19.95 setup
|$13/mo or $147/yr||$135/yr||$15.92/mo or $179/yr||$13.95/mo or $154.95/yr|
How does NRA Carry Guard stack up? Well, as a self-insurance, it’s right in their with the rest of them. I’m glad to see them get serious about this product because they’ve been leaving money on the table for a long time now and others have jumped into the fray with some pretty good results.
* As always, this is where I tell you that I, personally, have ACLDN, and that I am a USCCA Affiliate. Take that, FTC. I’m also not a lawyer nor an expert in this sort of thing, so take anything I say here with a lick of salt or two (lime and tequila optional), and be sure to run the documents for your policy of choice by a professional before you sign up for anything