USCCA Elite CCW Insurance Versus NRA Carry Guard Gold Plus

USCCA Elite CCW Insurance Versus NRA Carry Guard Gold Plus

USCCA Elite CCW Insurance Versus NRA Carry Guard Gold Plus

This post shows up early and often for searches on “self defense insurance.” It’s a good post, and I’m proud of how it’s helped a bunch of people find the concealed carry insurance that was right for them.

But that post covers just the lower-end of the spectrum, not the “Cadillac” plans, and so I thought a follow-up post might come in handy so people can see for themselves how things shape up at the top end of the scale, and compare USCCA Elite CCW insurance versus NRA Carry Guard Gold Plus concealed carry legal insurance.

As always, remember that I am not lawyer nor do I give legal advice. Both companies post copies of their policies on their websites, and I urge you to read them over very carefully before you sign up for anything.

NRA Carry Guard Gold Plus

Aside from all the benefits listed below, NRA Carry Guard Gold Plus comes with a one-year membership in the NRA. The NRA also recently had a “Carry Guard Expo” featuring training opportunities and a trade show, and instructors can also add NRA Carry Guard training to what they teach.

Coverage costs EITHER $550 a year OR $49 a month, and the NRA is promoting Carry Guard very heavily right now. The NRA’s coverage is “first dollar” coverage: You will have to pay for your lawyers in someway, then, if you are acquitted, the NRA will reimburse you. NRA CarryGuard also covers your spouse if they need to use a firearm to defend a life, and it covers firearms only, not the use of other means of lethal force.

USCCA Self Defense Shield Elite

USCCA membership comes with a subscription to Concealed Carry magazine (my first article for them should show up early next year), and coverage costs EITHER $497 a year or $47 a month. The USCCA puts on a “Concealed Carry Expo” each year, and has so for the past four years. The USCCA also has their own cadre of trainers with their own training program as well.

USCCA self-defense insurance covers your spouse and also covers anyone under the age of 21 in your household if they need to use lethal force to defend a life. They cover most means of lethal force (knives, pointed sticks, fresh fruit) as well as the use of a firearm. The USCCA’s coverage starts immediately, which means there is no out-of-pocket expenses incurred by you up to the limits of your policy if you are acquitted.

 NRA CarryGuard Gold+USCCA Elite
Monthy Fee OR$50$47
Yearly Fee (Not Both)$550$497
Criminal Coverage$250,000$250,000
Civil Coverage$1,500,000$2,000,000
BailYesYes
"First Dollar" CoverageNoYes
Spouse Also CoveredYesYes
Any WeaponNoYes
Wage Compensation While In CourtYesYes
Training ResourcesYesYes
Choose Your Own AttorneyYesYes
SIGN UPSIGN UP

Usual Disclaimer: I am an NRA member, though not a Carry Guard subscriber, and I am an affiliate of the USCCA. 

Are We Winning Yet?

Are We Winning Yet?

At one point in time, Wired magazine was a bastion of techno-libertarianism, where articles on cryptography went side-by-side with articles on using the Internet to empower individuals to take charge of their lives.

That era is long-gone, and Wired has veered so far towards progressivism, they endorsed Hillary Clinton for President last year.

Which makes this article on “gunsplaining” rather interesting. The author correctly points out that most attempts at gun control fail because the people who make gun control laws have no friggin’ clue how guns actually work, so they wind up legislating on feelings rather than facts. The problem with that is, of course, that effective laws require precision, and precision and emotion are not usually associated with each other, leading to horrible laws that are easy to circumvent. What the author doesn’t realize, though, is that if liberals learn more about guns, it won’t lead to better gun laws, it’ll lead to fewer gun controls, not more of them. I’m all for more people learning about guns, because once they understand what they can and can’t do, we win.

Every. Single. Time.

Is there a realization on the left that they sound like morons when it comes to guns? I hope so, because that means they are starting to fight this fight on OUR terms, not theirs, and once the enemy is fighting your battle rather than theirs, the path to victory becomes a whole lot clearer.

How Do You Change The World?

How Do You Change The World?

I dunno, let’s ask Steve Jobs how he changed the world. Maybe there’s answers here for us as well.

Playboy: How about some concrete reasons to buy a computer today? An executive in your industry recently said, “We’ve given people computers, but we haven’t shown them what to do with them. I can balance my checkbook faster by hand than on my computer.” Why should a person buy a computer?

Jobs: There are different answers for different people. In business, that question is easy to answer: You really can prepare documents much faster and at a higher quality level, and you can do many things to increase office productivity. A computer frees people from much of the menial work.

Playboy: Those are arguments for computers in business and in schools, but what about the home?

Jobs: So far, that’s more of a conceptual market than a real market. The primary reasons to buy a computer for your home now are that you want to do some business work at home or you want to run educational software for yourself or your children. If you can’t justify buying a computer for one of those two reasons, the only other possible reason is that you just want to be computer literate. You know there’s something going on, you don’t exactly know what it is, so you want to learn. This will change: Computers will be essential in most homes.

Playboy: Was the initial market hobbyists?

Jobs: The difference was that you didn’t have to be a hardware hobbyist with the Apple II. You could be a software hobbyist. That was one of the key breakthroughs with the Apple II: realizing that there were a whole lot more people who wanted to play with a computer, just like Woz and me, than there were people who could build their own.

Let’s pause for a second and re-write those paragraphs a bit.

Playboy: How about some concrete reasons to buy a gun today? An executive in your industry recently said, “We’ve given people guns, but we haven’t shown them what to do with them.

Jobs: There are different answers for different people. In law enforcement, that question is easy to answer. You defend your life and the lives of the innocent much faster and at a longer ranges than just your fists, and you can reduce the danger to yourself. A gun frees people from much of the fist and nightstick work.

Playboy: Those are arguments for guns in law enforcement and the military, but what about the home?

Jobs: So far, that’s more of a conceptual market than a real market. The primary reasons to buy a gun for your home now are that you want to do some recreational shooting or you want you to protect you and your children from a real and specific threat. If you can’t justify buying a gun for one of those two reasons, the only other possible reason is that you just want to be feel safe. You know there’s something going on, you don’t exactly know what it is, so you want to learn.

Playboy: Was the initial market hobbyists?

Jobs: The difference was that you didn’t have to be a hardware hobbyist with the Glock 17. You could be a training hobbyist. That was one of the key breakthroughs with the (product that hasn’t been developed yet… or has it?): realizing that there were a whole lot more people who wanted to enjoy guns, just like Woz and me, than there were people who could build their own.

I’ve said it before and I’ll say it again: Guns have the same place in society right now as computers did in back in 1985. Most of us know we should have a gun around, but we struggle to come up with a reason why.

And this part is interesting as well: Jobs was predicting the home internet in 1985, back when the Internet was Arpanet and the .com had just been rolled out.

Jobs: The most compelling reason for most people to buy a computer for the home will be to link it into a nationwide communications network. We’re just in the beginning stages of what will be a truly remarkable breakthrough for most people—as remarkable as the telephone.

Playboy: Specifically, what kind of breakthrough are you talking about?

Jobs: I can only begin to speculate. We see that a lot in our industry: You don’t know exactly what’s going to result, but you know it’s something very big and very good.

What will happen when the personal safety empowerment that a gun provides (and the skills, attitude and courage to use it wisely) gets connected?

Can it get connected? Will connecting gun owners like we connect computers change society, or will it be something else?

Prep Work.

Prep Work.

I picked up an assignment, many years ago, to take pictures of Magic Johnson right after he gave a speech at a luxury Phoenix resort. I knew his time would be limited, so I arrived early, scouted a good location, and my assistant and I set up four high-powered strobe lights to properly expose him and wonderful Arizona sunset that would happen just as the shot was scheduled to happen.

But what DID happen was that the resort’s circuits weren’t up to the task of handling my strobes and their outdoor lighting at the same time, so my first test shoot blew a breaker and everything went dark.

I had to take a picture of Magic Johnson, and I had to take it NOW, no matter if my primary light source just went into the crapper.

Fortunately for me, I knew that resort pretty well and I knew the outside breezeways looked pretty good and went east-west so there was still light in them even as the sun was going down. I grabbed my assistant, my tripod and a flex fill, and away we all went for an impromptu available light shoot as the light slowly faded in the west.

And the chromes turned out pretty good. Good enough that I picked up two more assignments from the agency who assigned me.

Now think about it… if I hadn’t been familiar with the environment around me and I didn’t have that reflector and/or assistant with me and was inexperienced at slow shutter speed photography, I’d be completely out of luck and would have p!ssed off a basketball legend and not gotten paid by my client for the job.

Familiarity with your surroundings… having a backup plan and backup gear… recognizing what the issue is and working around it on the spot… why does that all seem so familiar? 😉

Oh, and if you get a chance to take photos of Mr. Johnson, do so. He was, BY FAR, the most approachable and laid-back celebrity I’ve ever photographed. It’s not an act with him.

Turn Up The Radio.

Turn Up The Radio.

Ugh, did I just make a reference to a lousy 80’s hair metal band?

Yes, yes I did.

Anyways, there’s an interesting article on MacRumors.com on how iPhones are equipped with an FM receiver, but it’s turned off by default, and turning it on, especially during natural disasters, might be a good idea.

Actually, I think it’s a great idea.

Our cell service was out for days after Irma, and we did better than most people at keeping up with what was going down because we had a cheap wind-up AM/FM radio with us. But if the gazillions and gazillions of iPhone owners out there could tune into hear emergency updates at a time when the cell towers were tango-uniform, it can only be a good thing.

Las Vegas Will Viva Once Again.

Las Vegas Will Viva Once Again.

Yes, I’ve heard about the horror in Vegas.

No, I will not comment on it. Not for at least another 24 hours.

I will say that the people shot were fish in a $@!%ing barrel, and that the LVPD had a breaching team on-site in under 10 minutes.

That’s a helluva response time. Well done.

And as usual in situations like this, people banded together to save lives. Hotels used shuttle vans to send people to the hospital. People stood up when it mattered most, and once again, they realized that they, and not the cops or the paramedics, were the first responders.

I love you Americans. I really, really, do.

We’ll get through this. But right now, pray for healing and comfort.

And watch your six.

The NRA As Tribe, Part 2.

The NRA As Tribe, Part 2.

So a few of my friends are asking why the NRA created this video and is weighing in on the issue of standing for national anthem. What does THAT have to do with gun safety and firearms training?

Well, not a lot, to be honest. But it does have a lot to do with what the NRA sees as it’s future in a world where fear is not a primary driver of gun ownership, setting yourself up as a phyle is actually a pretty darn good idea and as the name of the game from here on out seems to be identity politics, and creating a rally point for traditional American values makes a lot of sense.

Building A Better, Quieter Mousetrap.

Building a Better, Quieter Mousetrap.

Maxim 50

Mere words cannot describe the geniusness of this product. It’s like a big, giant middle finger showed in the face to the National Firearms Act.

50-state-legal sound suppression is now a reality thanks to SilencerCo’s integrally-suppressed muzzleloader, the Maxim 50. No fingerprints, no pictures, no $200 tax stamp, no 4473, no wait. Mailed directly to your door. Even in California. Yes, really.

That scrunching noise you hear are knickers twisting en masse inside the offices of gun control groups all across this great land.

The fact that their ad campaign prominently shows the Golden Gate bridge and the Santa Monica pier is just rubbing it in. All that’s missing for Blue State Triple Yahtzee is a shot of someone holding one in Times Square and Michigan Avenue.

So, what’ll be the over/under on how soon Bloomberg and his minions talk about this as a “COMPLETELY SILENT .50 CALIBER LONG RANGE GHOST CLIP SNIPERS RIFLE IMMUNE TO MICROSTAMPING!!!1!!”?

Hint: Take the under.

Further proof that the gun industry treats stupid legislation as damage and routes around it.

Goodbye, Grant.

Goodbye, Grant.

Hüsker Dü’s “Zen Arcade” was a watershed moment in my life: It made me realize that there was more to punk than spittle and rage.

And now 1/3 of the band that made that album is gone.

Music will go on, good songs will continue to be written, and a new generation will rebel against the conformist ways of the generation before them, but for a few, brief, shining years, we had a band that could take the mindless anger of punk and shape it into a force that changed lives.

I hear it every day on the radio
Somebody shoots a guy he don’t even know
Airplanes falling out of the sky
A baby is born and another one dies
Highways fill with refugees, now
Doctors finding out about disease
With all this uptight pushing and shoving
Keeps us away from who we’re loving

Kinda Want.

Kinda Want.

I’m interested.

The EXO ONE (X01) is a patent-pending multi-caliber exoskeleton for the Sig Sauer® P320 Fire Control Unit (FCU) and adjacent firearm components including barrel, slide assembly, and magazine release. This transformation happens in moments without tools and is fully reversible.

FCU != Florida Central University

I’m a sucker for Personal Defense Weapons, and this looks like an interesting application of the modularity that makes the P320 so cool into the PDW market space.

Colt got left behind the minute the M4 lower made it out into the open market, and maybe this will serve as a wakeup call to SIG that when it comes to the P320, they are in the fire control unit business, not necessarily the pistol business.