NRA Carry Guard Question

[TexasJackKin]

[baggss]

I'm looking at it in comparison to CCWS Safe and USCCA. Haven't made any decisions yet but I may drop one of them and add this, or simply add this as a 3rd form of coverage.

[skooterdave]

I signed up. It is basically the same as other products in price and coverage except that it has a training component (online videos included, face to face for a fee which hasn't been rolled out yet). I went for the most expensive membership as it has the most coverage (which is likely still not enough if found liable in a civil court) and the most cash advance to cover bail etc. It is the NRA's product doncha know I have a couple of other things I pay for which cover my professional liability related to firearms. I hope that all of this coverage is never exercised. A thing to remember, no insurance policy can cover criminal convictions/acts so until the DA decides to not follow through on charges or you win the criminal case, the plan will not be helping you. Be the good citizen that you are and follow the law to the letter. When I was working in another life if there was an OIS you got three things: 1) Another Officer who had been involved in a shooting 2) A chaplain 3) A POA rep. You were allowed to not talk about the incident other than say "There are/are not outstanding suspects" without a POA rep present. You also needed to turn over your tool so that a possible round count could be made to ensure that no neighbors had caught a hot one somewhere. This is all from memory and likely not current, but a good place to start. Other more modern folks please chime in.

Sent from my LGLS775 using Tapatalk

[TexasJackKin]

I'm looking at it in comparison to CCWS Safe and USCCA. Haven't made any decisions yet but I may drop one of them and add this, or simply add this as a 3rd form of coverage.

That's the thing I notice, seems like most people have coverage from more than one insurance company. I'm hoping the NRA coverage would be a single policy that would cover everything. After all, I've only got auto insurance though one company and feel covered....

[TexasJackKin]

It is the NRA's product doncha know

That's what I'm thinking, and the fact that it covers my wife as well is a good point. Just hoping some smart insurance types chime in, with some simple English explanation I can understand.

[71MUSTY]

That's the thing I notice, seems like most people have coverage from more than one insurance company. I'm hoping the NRA coverage would be a single policy that would cover everything. After all, I've only got auto insurance though one company and feel covered....

But you don't race your auto, if you did you would want two policies since your auto policy does not cover racing.

Basically there are two risks related to CCW.

The first is criminal, protecting you from accusations of a bad shoot.

Second is civil. When the bad guys loving family sues you because his life of crime was their only means of support.

CCW insurance typically defends you for the first but not the second. CCW insurance provides legal representation to hopefully prove you didn't commit a crime.

Homeowners and in my case a big umbrella cover me from civil liabilities from a good shoot but not from a bad one.

[pdq_wizzard]

From what I've read and heard, it is an insurance policy, which means the will be out of pocket for all costs until you are found Innocent, then you get reimbursed.

Sent from my SM-G955U using Tapatalk

[skooterdave]

But you don't race your auto, if you did you would want two policies since your auto policy does not cover racing.

Basically there are two risks related to CCW.

The first is criminal, protecting you from accusations of a bad shoot.

Second is civil. When the bad guys loving family sues you because his life of crime was their only means of support.

CCW insurance typically defends you for the first but not the second. CCW insurance provides legal representation to hopefully prove you didn't commit a crime.

Homeowners and in my case a big umbrella cover me from civil liabilities from a good shoot but not from a bad one.

Great analogy to the racing your car. I better stop racing my minivan......
Different coverage for different situations. I also like the spouse coverage. So for the price of a daily "hand crafted coffee" you can get coverage, I'm in.

Sent from my LGLS775 using Tapatalk

[VL221]

From what I've read and heard, it is an insurance policy, which means the will be out of pocket for all costs until you are found Innocent, then you get reimbursed.

Sent from my SM-G955U using Tapatalk

Wait. Is that how CCW insurance works?

[pdq_wizzard]

Wait. Is that how CCW insurance works?

Here is a good read

http://www.calguns.net/calgunforum/showthread.php?t=1128581

Sent from my SM-G955U using Tapatalk

[VL221]

Here is a good read

http://www.calguns.net/calgunforum/showthread.php?t=1128581

Sent from my SM-G955U using Tapatalk

Thanks.

I just don't understand why one of these CCW insurance companies doesn't have a plan that covers everything... I wouldn't mind paying more for that

[VL221]

It looks like USCCA changed their policy..

Hello! The USCCA no longer reimburses for criminal or civil at the end of a trial. We immediately pay out at the time of the incident. We provide an immediate retainer for the attorney and an immediate bail bond fund. We listened to what our members had to say and we made this recent change in July of this year. The USCCA is not an insurance-policy. We offer memberships that include an insurance-backed benefit. You as the member, are the benificiary of those benefits and receive them immediately at the time of an incident. Take care and stay safe! Kristine - Member Services Advisor - USCCA

[TexasJackKin]

Here is a good read

http://www.calguns.net/calgunforum/showthread.php?t=1128581

Sent from my SM-G955U using Tapatalk

Thanks, I read that entire thread....good information (I think) I'm at least as confused as I've ever been. Between a lot of people trying to explain their understanding of various polices and the changing coverage provided by the major providers, coupled with the fact that the newer NRA isn't even mentioned until the last post.....my head hurts.

[pdq_wizzard]

Thanks, I read that entire thread....good information (I think) I'm at least as confused as I've ever been. Between a lot of people trying to explain their understanding of various polices and the changing coverage provided by the major providers, coupled with the fact that the newer NRA isn't even mentioned until the last post.....my head hurts.

Sorry about that, just wanted people to make an informed choice.

There are 3 that I think you could flip a coin on.

USCCA
Second call defense
Armed citizens legal defense network

From what I've read there is no out of pocket for these.

Sent from my SM-G955U using Tapatalk

[oxzilla]

https://www.concealedcarry.com/law/shield-carry-guard-two-different-programs-compared/

Great synopsis that led me to choose uscca over nra

Sent from my Nexus 6P using Tapatalk