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

  1. #1

    New to the forum, gun user since 1999. Insurance?

    Hi, I'm Mary from Virginia. I got my first handgun- a S&W 357- in 1999 when someone set our pack porch on fire with gas in a container for our bike.
    We didn't know if it was personal or random. I immediately went to the gun shop and bought the biggest caliber handgun I could handle. I also got my CCP.
    I have never concealed or open carried. The 357 is big for cc, but would be ok under a coat.
    I'm looking right now for a smaller handgun specifically for cc. I've looked at four or five subcompact semiautomatics, but can handle a revolver easier. I've still not ruled out the semi auto.
    I've been able to rack the subcompact semi autos. This was a problem until a friendly gun dealer taught me to push the gun forward not try to rack by pulling back.
    The end of October I will have saved enough money to make my decision so I'll keep doing research until then.

    How many of you have purchased self defense insurance from USCCA, the NRA, or someone else?
    I can't think of many cons, perhaps you could point out any to me. I'm about ready to start carrying and am still wrestling the million questions we ask ourselves when taking on this responsibility.
    I realize I need a lot more time on the range and need to keep my skills up.
    Thanks, this is a great forum.
    Mary

  2.   
  3. #2
    Mary,

    Welcome to the forum.
    If it doesn't fit, FORCE it! If it breaks then it needed to be replaced anyway.


  4. #3
    Join Date
    Feb 2012
    Location
    Pittsburgh, PA
    Posts
    3,832
    First and foremost welcome to the forum, and what a great first time question.

    I personally have never got into those self-defense insurances or the legal fund services that are out there for gun owners. Here are my reasons:

    - I have the money to retain a lawyer
    - I'd rather rely on a lawyer I know in the area that I can put on speed dial if/when I'm in a situation
    - There are a lot of fine print lines in some of these contracts... limits on how much they will pay in legal fees until they stop representing you, etc.
    - I personally like to be in control rather than another entity... so, I have researched and found the lawyer of my choosing.

    Now, with this said, a lot of folk do not have the funds to do what I've done. If this is the case, and you can afford the monthly or annual fee, but not retain a lawyer on your own, then these groups do offer a service that can be beneficial. As with anything else, do your own research and since you know your financial situation better than ours, weigh the options, but ultimately the decision will come down to what works best for you.

    I hope this helps.
    "Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well armed lamb contesting the vote."
    ~ Benjamin Franklin (maybe)

  5. #4
    Carry guns. I personally have difficulty with the tiny subcompacts. Not enough grip for three fingers; not enough rounds without reloading, and expanding with extended mags makes them too wobbly for me. My favorite, although I don't have one right now, is the mid size Glock line (G19,23,32,38). The are compact and light yet still have 4" barrels and three finger grips. Indeed, the Glock 19 is probably the single most popular concealed handgun among professionals (police, instructors, accessory mfrs, etc.) I carried one for several years and then sold it to a friend...I still regret selling it.
    .

    Unlike the other guy who posted here, I do favor some kind of prepaid legal or insurance. I would hesitate to buy from USCCA, but NRA might be worth a look. My own coverage is with Texas Law Shield. It's not insurance but rather an agreement to defend civil and/or criminal charges. The agreement is short and clear. I don't have an extra $50 to $100k laying around for a defense fund (which Massad Ayoob suggests is typical defense cost when you use your gun), so I spend the money in little bits now. Both my wife and I have the coverage. I've heard of two instances of Texas Law Shield doing what they said they would, so I'm fairly comfortable with them. I think they're also part of a larger affiliation, but I don't know if it includes Virginia. I selected this firm because they are local. You might find something similar. There is probably a "Virginia Gun Forum" or something where you could inquire of others.
    .

    P.S. Sorry but I can't seen to get line feeds to separate my paragraphs with this forum and MSIE, so I'm using a "." as a blank line. I'll try Chrome next time.

  6. Hi Mary, welcome to the forum. I have posted in another forum about Taurus' latest PT111 G2. I just recently got one and have found it to be EXTREMELY reliable. I've already put over 1,000 rounds through it (thank God for the cheapness of 9mm) and I have yet to clean it. I did this simply because I wanted to test it's reliability and longevity without cleaning it. All 1,000+ rounds have gone through without one single failure to fire or failure to eject. It's an extremely well made gun, feels great in the hand, and holds 12+1 and comes with a spare mag. I do not really care for revolvers (this is just my personal opinion) simply because of the limited capacity. Statistically, LEO's only hit their target 1 out of 5 times in a stressful situation, so personally I want more rounds at my disposal. Again, that's just me. It also has a fairly easy to rack slide.

    As for the insurance, that would depend on your state laws for me to even consider it. Here in SC, it would be a waste of money. Reason being because SC laws protect you from civil suits as long as the shooting was found to be justified and you were not found guilty of any crimes related to the shooting. Now I don't know this for sure because I haven't looked into them, but I would guess that if the shooting was found to be an unjustified shooting, the insurance wouldn't cover you either. So if that's the case, then in a justified shooting I'm covered by law, and in an unjustified shooting I'm screwed either way.

  7. #6
    Join Date
    Jun 2010
    Location
    Vermont
    Posts
    144
    Welcome to the forum, good to have you aboard. I bought my Angel a S&W 442 snub nose, 5 shot rev for Christmas a few years back. Small, very light, and easy to conceal. You can just about wear it with a tee shirt on. Kicks like a mule because of the weight tho, only problem.

  8. #7

    New to the forum, gun user since 1999. Insurance?

    Welcome to the club:) this is great group of people here with lots of experience and plenty of opinions. Good luck and enjoy.
    FUNNY HOW PEOPLE ALWAYS WANT THE TRUTH AS LONG AS IT'S WHAT THEY WANT TO HEAR

  9. #8
    Join Date
    Feb 2012
    Location
    Pittsburgh, PA
    Posts
    3,832
    Quote Originally Posted by Burtboomer View Post
    Welcome to the club:) this is great group of people here with lots of experience and plenty of opinions. Good luck and enjoy.
    Except for me... I'm a jerk.
    "Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well armed lamb contesting the vote."
    ~ Benjamin Franklin (maybe)

  10. #9
    Quote Originally Posted by AndeyHall View Post
    Hi Mary, welcome to the forum. ... As for the insurance, that would depend on your state laws for me to even consider it. Here in SC, it would be a waste of money. Reason being because SC laws protect you from civil suits as long as the shooting was found to be justified and you were not found guilty of any crimes related to the shooting. Now I don't know this for sure because I haven't looked into them, but I would guess that if the shooting was found to be an unjustified shooting, the insurance wouldn't cover you either. So if that's the case, then in a justified shooting I'm covered by law, and in an unjustified shooting I'm screwed either way.
    Texas law protects the same from civil suits. The catch is the same as yours--you must be not guilty of criminal charges, and that can cost you a lot of money. Ayoob's $50-100k cost is for criminal defense. I urge anyone who carries a gun to read Ayoob's Gun Digest Book of Concealed Carry (Amazon: The Gun Digest Book of Concealed Carry: Massad Ayoob, Massad F. Ayoob: 9781440232671: Amazon.com: Books) and then decide if you need legal coverage. A simple oversight like not being the first party to call 911 can make the difference.

  11. Quote Originally Posted by bowserb View Post
    Texas law protects the same from civil suits. The catch is the same as yours--you must be not guilty of criminal charges, and that can cost you a lot of money. Ayoob's $50-100k cost is for criminal defense. I urge anyone who carries a gun to read Ayoob's Gun Digest Book of Concealed Carry (Amazon: The Gun Digest Book of Concealed Carry: Massad Ayoob, Massad F. Ayoob: 9781440232671: Amazon.com: Books) and then decide if you need legal coverage. A simple oversight like not being the first party to call 911 can make the difference.
    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.

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