New to the forum, gun user since 1999. Insurance? - Page 2
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Thread: New to the forum, gun user since 1999. Insurance?

  1. #11
    Quote Originally Posted by AndeyHall View Post
    Does the insurance cover your defense charges in a criminal trial or only civil? Cause that might would be the only upside. Like if it would have covered Zimmermans legal fees for example. But at the end of the day, being judged by 12 (or 6) is much better than being carried by 6.
    Texas Law Shield defends both. Of course everyone here agrees with the "better to be..." If you are going to be judged, though, you need a lawyer in your corner, and that can be expensive. You also need that lawyer to know gun laws.

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  3. #12
    The USCCA's insurance covers Civil as well as criminal action. The coverage depends on which policy you buy- they have three levels of protection.

  4. #13
    the answer to having high levels of stopping power and also low recoil is to use very lw bullets, at very high speeds. As in 50 grs at over 2000 fps. same recoil as 100 grs at 1000 fps,, but 450 ft lbs, not merely 210 ft lbs. Such bullets, at such speeds, can be made and and safely, fired in 9mm pocket autos and .38 snubs, but they pierce Kevlar vests. While that's not illegal, if they have a small lead "core" and are mostly aluminum or zinc, no ammo maker wants to risk the ire of the LEO'S.

  5. #14
    Nice to meet you Mary. I would recommend trying to rent whatever you want to buy. Personally I can't shoot a pistol if it is too small for my pinky to fit on the grip. It is my own personal quirk I found after firing whatever I could get my hands on.

    I carry a HK USP compact, it is a fairly decent sized gun that I can conceal without issue and more importantly I know I can hit my target. I do not carry any insurance other than what the NRA offers all members. Based on where I live and the local crime rate I feel confident that my chances of having to use my firearm are low. That decision may bite me in the butt some day, but we all have to make that decision for ourselves.

    Sent from my SPH-L720 using Tapatalk 4
    Time to add FireMarshall Bill to the block list.

  6. #15
    Quote Originally Posted by thru View Post
    the answer to having high levels of stopping power and also low recoil is to use very lw bullets, at very high speeds. As in 50 grs at over 2000 fps. same recoil as 100 grs at 1000 fps,, but 450 ft lbs, not merely 210 ft lbs. Such bullets, at such speeds, can be made and and safely, fired in 9mm pocket autos and .38 snubs, but they pierce Kevlar vests. While that's not illegal, if they have a small lead "core" and are mostly aluminum or zinc, no ammo maker wants to risk the ire of the LEO'S.
    The handgun stopping power myth persists, but the truth is the old saying that a pistol is to fight your way back to your rifle. 55grains of 5.56mm at 3,000fps with a round that tumbles when it strikes flesh...that is the definition of stopping power. All pistols are weak in comparison. Look at this study:
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    An Alternate Look at Handgun Stopping Power | Buckeye Firearms Association
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    Actual shootings were studied, and the bottom line was that no matter what the round, an average of 2-3 hits (not shots) were required to stop a person. The larger rounds did a little better in that they had fewer instances of the BG not stopping at all and more instances of stopping with one hit. However, those differences were not significant. A .22 was not as bad compared to .44 Magnum as you might expect. Rifles and shotguns were superior to any handgun. Of course we can't carry a concealed rifle or shotgun easily, but the handgun caliber choices are less important than a lot of us "45 shooters" want to believe.
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    Along the lines of thru's post, Federal's Guard Dog defensive ammo takes that approach. Their Guard Dog .45ACP, for example, is a 165gr bullet, compared to 230gr Hydra-Shok, and its muzzle velocity is 1140 compared to 900 for HS. Muzzle energy is 476ftlbs compared with 414 for HS, but it drops faster, although it doesn't fall below HS until about 60 yards--well beyond normal handgun self defense range. At ten yards, GD is still 450ftlbs compared to about 409 for HS.
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    Looking for power in a lightweight round, I think the .357Sig wins in semiauto rounds. Federal's JHP 125gr round exits the barrel at 1350fps and 560ftlbs of energy. At ten yards, it's still going 1325fps with 480ftlbs of energy. Of course, it's harder to find and more expensive than the common calibers, and no one ever referred to .357Sig as a low-recoil round! "Loud and violent" was the last thing I heard someone say when he shot a Glock 32. I didn't shoot it, but with my foam earplugs PLUS Peltors, it was really loud, two lanes over.

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