A Comparison Of Affordable Concealed Carry Insurance Plans

A Comparison of Affordable Concealed Carry Insurance Plans

I’ve done some other round-ups of self-defense legal plans on the blog, but things have changed in this industry to the point where an update is probably needed.

First off, it looks like the Self Defense Association is no more. Their website has nothing but a parked domain and their social media hasn’t been updated in over a year.

Secondly, the USCCA isn’t advertising their Silver introductory-level plan anymore, but it is available if you ask for it.

Thirdly, Texas Law Shield has increased their nation-wide coverage to the point where they’re available in 19 states, and have re-branded themselves as “U.S. Law Shield”.

Finally, the NRA has toned down their marketing of Carry Guard insurance quite a bit. It’s still out there, three levels down on the Carry Guard website, but the current push for Carry Guard seems to be more about the training they offer than it is about their CCW legal insurance plans.

CCW InsuranceAlso, I came across a nice little breakdown of what to look for in a concealed carry legal plan, written by an actual attorney**. His list of things to look for in self-defense insurance are:

  1. Attorneys’ Fees Coverage
  2. Bail Bond Coverage
  3. Access To An Attorney
  4. Freedom To Choose An Attorney
  5. Civil Judgement Coverage

Which is, all in all, a good list. The only thing that non-attorney me might add to that list is the importance of “First Dollar” coverage that kicks in from Day One, versus coverage where you have to pay and then you get re-imbursed by your plan.

Do you have easy access to a half-million dollars or more in loans to cover your upfront costs? I don’t.

If you carry a firearm, I heartily suggest you spend a few dollars and sign up for a self-defense legal coverage plan of some sort. It just makes too much sense. I’ve had a number of friends get in serious legal trouble due to their defensive use of a firearm, and you don’t want to go in front of a judge with a public defender whose legal knowledge is probably limited to defending actual crooks in a court of law. Instead, you want someone who knows how to the defend the truly innocent, and that is going to cost money. Lots and lots of money.

You carry a gun because you planned ahead for a lethal force encounter. Get a legal plan to prepare for a battle inside the courtroom.

CCW Insurance Plans

 NRA Carry Guard
Silver
USCCA
Gold
Second Call
Full Coverage
Armed Citizens
Legal Defense
US Law
Shield
CCW Safe
Bail$100,000$5,000 / $50,000$5,000 / $50,000$25,000 + Merits$2,500 / $25,000$1,000,000*
Your Own AttorneyYYYYNY
Criminal Defense$100,000$100,000$50,000$25,000 + MeritsCovered$1,000,000*
Civil Defense$500,000$500,000$50,000Based On MeritsCovered$1,000,000*
Civil Damages$500,000$500,000$50,000Based On MeritsNot Covered$1,000,000*
Any WeaponYYNYYN
Expert WitnessesYYYYYY
“First Dollar” CoverageNYNYYY
Cost$22/mo
$264/yr
$22/mo
$264/yr
$14.95/mo
$170/yr
$135/yr$16.85/mo
$202/yr
$41/mo
$499/yr
Online SignupOnline SignupOnline SignupOnline SignupOnline SignupOnline Signup

 

* Coverage for CCW Safe includes bail, criminal and civil trial attorneys’ fees and civil damages.
** Do I really need to say that I am not an attorney and that this is not legal advice I’m giving out here? If so, I am. Figure it out for yourselves, and go talk to a lawyer about this stuff, because it’s a good idea. I, personally, have ACLDN and am a USCCA Affiliate.

You Never Were Safe To Begin With.

You Never Were Safe To Begin With.

I can sort of understand the concept of safety as a feeling. While it’s true that safety is a reality that has nothing to do with how you feel, the fact is, it’s up to us to become aware of that reality.  Either you are safe, or you are not, your emotions have nothing to do with it. Granted, there are degrees of safety. My famly is pretty secure from a home invasion or a hurricane, but if a meteor hits the Gulf of Mexico, we’ll be turned into instant flotsam and/or jetsam.

Strangely, that possibility does not keep me up at night. Go figure.

Tom Gresham posted this on Twitter awhile ago, and while the sentiment is good, the execution is often weak.

“Every possible self defense scenario” is a little… vague. I probably won’t have to defend against shuriken-throwing ninjas any time soon, but dealing with a road rage incident that spirals out of control too quickly to escalate it?

Maybe.

Staying safe is not just self defense, though. I’ve seen many, many car accidents and a fair amount of car fires, that’s why I carry a go-bag with me in my car and a fire extinguisher in my trunk. I’ve lost track of how many situations I’ve been in where a bright, powerful light was more handy than the sidearm on my hip. I lock my door right after me as I enter my house. I have a tourniquet on me when I leave my house. When I get out of my car in a parking lot, I look around before walking to my destination. My cell phone is rarely below 50% charge, and there’s usually at least a half a tank of gas in my car at all times. These are simple things that each have their own plan and are not gun-centric. What they do, though, is get everyone thinking about what to when things go bad, and that’s the pathway that leads to an armed, responsible citizenry.

Help Wanted

Help Wanted

The company I worked for has been bought out, and now I’m looking for a job. Again.

This truly sucks, because I *liked* that job. Quite a lot.

Anyway, if you know of something in content marketing / digital marketing, let know.

Flash Site Pictures – Monday Edition

Flash Site Pictures – Monday Edition

Went on a family trip up to Orlando for my birthday over the weekend, so here’s some content I queued up for you all. Some of it written by me, so not.

An evidence-based approach to knife defence. I’m not the most-qualified guy to comment on this, but I found it interesting.

First Look: Savage B22 FLH. Really liked this little rifle. It’s a keeper.

A quick flow chart to help you stop bleeding.

Some really good advice on pocket pistols. When in doubt, go with a Failure To Stop Drill.

Five Skill Drills For The Indoor Range, because not everybody has access to a pistol bay.

Comparing an A Class vs C Class run on the same stage. I’m sucky and I know it.

Colt Competition .45 ACP 1911 2000 Round Challenge: Rounds 451-600

Colt Competition .45 ACP 1911 2000 Round Challenge: Rounds 451-600

I went to another one of Step By Step Gun Training’s Shoot N Scoot’s events last weekend to do two things: Shoot a bunch of qualifiers to gauge my progress and get them on record, and put more rounds through the Colt 1911. We’ll talk about that first thing at a later date, so let’s move on to the Colt.

One of the nice things about the Shoot N Scoots is that each weekend, the first two bays are set up identically to what was used the previous Thursday in the pistol matches they run there, so I get to compare my performance from one day to next. The matches are Louland are alway lightweight, run and gun affairs that are good skill builders and not too challenging and primarily use steel targets. Here’s the setup for Stage 2.

Shoot N Scoot

And here’s one of my runs with the Colt.

My time on that run was a skooch under 18 seconds, with three reloads. My time on that stage last Thursday using a Beretta APX and a 21 round mag (so no reloads)? 21.28 seconds. Yes, I missed a shot with the 1911 that the RO let slide in this run, but on my first run, I shot it 18.9 secs. So there.

So why the over two second difference between a softer-shooting 9mm with no reloads and the thump of .45ACP and three reloads?

Two reasons:

  1. Familiarity. I’m at over 500 rounds with that 1911, and I’m starting to learn how to run it. I’ve just under 200 rounds with the Beretta. I know where things are set up on the Colt, but the Beretta is the first full-sized striker gun I’ve shot over a long period of time.
    No, really.
  2. Sights. The Colt’s fiber optic sights, while large, are nothing compared to the Beretta’s sights. There is literally no gap between the front sight and rear sight on the Beretta, making precise aiming a bit of a challenge. In addition to that, the Beretta uses three dot sights, a setup that just does not work well for me… Gimme fiber optics or Trijicon HD’s any day over three dots.

Colt Competition 2000 Round Challenge

Rounds Fired:
100 Rounds Sellier And Bellot .45ACP FMJ
50 Rounds Remington UMC .45ACP FMJ

Results:

No issues.

Thanks to Lucky Gunner for providing the ammo for this test.

The Story Problem

The Story Problem

Jim Wilson had a nice little post about the importance of stories in the gun world. The problem is, it’s hard to tell good stories about Gun Culture 2.0. The stories that come out of Gun Culture 2.0 tend to revolve around preventative incidents, such as the times where a life was saved because of a defensive gun use.

Those are good stories and they definitely need to be told, but the defensive/competition world has no equivalent (yet) to the good ol’ hunting story, where it’s you and your friends and family going out into nature and something Hemingway-esque* ensues, and the story winds up being told thru a sepia filter and read aloud in Sam Elliot’s voice.

Those are good stories of happy times, and they reinforce what I’ve been saying for awhile now, that the very best day possible in Gun Culture 1.0 is a day spent outdoors that culminates in harvesting one of God’s creatures.

The very best day possible in Gun Culture 2.0? Nothing happens. You live your life as you normally would, because Gun Culture 2.0 is mostly about avoiding injury and death and there is just not a lot of good stories to be told about going to WalMart and nothing happening. Yes, there is still the competition element to the new gun culture that has a slightly different “best day,” but we’ll pick that up at a later date.

 

* Just not in a “Short, Happy Life of Francis Macomber” sort of way.

New Lanes Are Opening Up

New Lanes Are Opening Up

A couple of interesting videos came across my Facebook feed last week. The first is from Saddle River Range, a very nice “guntry” club in Texas, showing off their new live-fire, virtual training system.

The second is Max Michel shooting the new Auto Target system by Action Target.

We are moving away from the “go to your booth, hang up your target, send it out, shoot it, bring it back” experience of the traditional indoor range into something that’s a little more stimulating, and that’s a very good thing indeed.

More, please.

The Cognitive Dissonance O’erwhelms Me.

The Cognitive Dissonance O’erwhelms Me.

Gun instructors: We’re teaching you how to defend your life with a gun, any gun. It’s not the arrow, it’s the Indian. There is no such thing as a dangerous weapon, there are only dangerous men*.

Also gun instructors: You are a fool if you recommend that your students carry a pistol in .380 or a smaller caliber.

So which is it? Are the basic skills of marksmanship and accurate fire under stressful situations applicable to any handgun, or should you skip all that folderol and just get a Glock 19?

Me? I say, if you train with a pocket .380 and you know what it can and can’t do because of your training, go ahead and carry it with confidence.

That statement assumes a bunch of things, though:

  1. That people who own pocket guns don’t treat them as a talisman of self-protection, but rather have the desire to seek out training.
  2. That trainers are capable of teaching how to properly use pocket guns.
  3. That people are aware of drills and quals specifically set up for backup guns (Chuck Haggard ran us through the Atlanta PD Backup Gun qual at TacCon, and there’s one for Georgia State Troopers as well).
  4. Mostly importantly, that trainers realize they are not training student to be exactly like themselves, but rather, they are training students who can adapt their techniques to their own lifestyle. If your methods work only for you, you are not training students, your are raising up disciples.

How many of the assumptions we make about what makes an “effective” carry pistol are based on what is actually effective, and how many of those assumptions are based on what we ourselves are comfortable with and designate as being a minimum requirement for our classes?

Now, to be fair, there is a BIG logistical element at play here. Speaking as someone who regularly takes a 9mm Shield to training classes, it kinda sucks having to swap out mags twice as often as a Glock 17 user, and it only gets worse when I train with my LCP. Also, having just put 1600+ rounds through an LCP and watching its reliability FLY downhill after round 500 or so, they’re just not meant for, say, a Gunsite 250.

But that doesn’t meant that people who own them can’t be trained to a point where they can draw and hit a target at self-defense distances in a reasonable amount of time.

It just means ain’t nobody going to Rogers with an LCP.

 

* Or women. Or whatever.

Flash Site Pictures, Monday Edition

Flash Site Pictures, Monday Edition

This is how we win. If we don’t do it more often, we’ll lose.

Dear city folk: We know more about guns than you do. Signed, country folk.
P!ss off, country folk. Signed, me.

Oh hai Trump Slump.

Caution: Using This Product Against Armed Citizens Might Result In Injury Or Death.

Ruger says “Bless your heart” to a bunch of nuns. Good for them.

I decided to go DA/SA before it was cool, but here’s Ernest Landgon to help explain why it’s useful. And cool.

Why off-body carry is usually a bad idea.