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NRA Carry Guard

3K views 18 replies 11 participants last post by  n2g 
#1 ·
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#3 ·
I enrolled but was disappointed that the insurance only covered you if you were found not guilty. I would understand not supporting a criminal act but we all know that juries make mistakes and if in doubt, the insurance ought to help protect someone who was say, taken down by a skilled, anti gun local DA and a misled/sympathetic jury. Don
 
#5 ·
Is this as bad as it sounds? You mean that they will defend you during a trial, but if the outcome is that you are found guilty by the jury, they will send you a bill for their $75,385.00 in litigation fees as you serve time in jail? :drowning: Maybe, I'm misunderstanding you.

I've had Texas LawShield covering me for a few years now. As long as the discharge of your gun was not used in an obviously reckless and unlawful manner they will defend you. ie; Whether or not you must pay legal fees is not dependent on the verdict of your trial.
 
#4 ·
Nothing is perfect! I went with CCW Safe for my coverage. It fit more what I was looking for.
 
#6 ·
I just read through the website for the NRA Carry Guard. They will "front" you 20% of your policy in either a civil or criminal case. The criminal case situation is that you pay and if found "not guilty" or the case is dismissed, they reimburse you.

I have can't figure out what company to go with! Please keep chiming in with advice ( those of you that have already done the research!).

Thanks-- Rob
 
#8 ·
I just read through the website for the NRA Carry Guard. They will "front" you 20% of your policy in either a civil or criminal case. The criminal case situation is that you pay and if found "not guilty" or the case is dismissed, they reimburse you.

I have can't figure out what company to go with! Please keep chiming in with advice ( those of you that have already done the research!).

Thanks-- Rob
I did take the time to go to the "CCW Safe" mentioned in post#4 to see what that was about, and then rechecked my own Texas LawShield Policy once more. But I got tired of reading and didn't check out NRA Carry Guard.

But, from what you're saying, NRA CarryGuard sounds pretty lame and half-assed to me! I'll bet a good number of folks don't have much cash to start with to afford defense lawyers.......and was the reason for having an insurance policy to cover their *ss to start with. Thanks for researching it for us.
 
#10 · (Edited)
I was looking at the NRA insurance and also at the USCCA Shield insurance a couple of weeks ago. Overall, I thought the USCCA had some advantages over the NRA insurance. Both offer better benefits for civil suits than for criminal. It seems USCCA offers assistance right from the beginning with easier to access support before you are formally charged. (Prevention being better than cure.)
And they pay the whole amount up front, not just 20%. They also cover any kind of weapon used in self-defense, including bare hands. I think NRA's only covers the use of firearms.

I rarely carry on my person, but often take a gun in my car when I'm traveling alone. I haven't taken either insurance yet, but will probably go with USCCA if I do.
 
#13 ·
.....I rarely carry on my person, but often take a gun in my car when I'm traveling alone. I haven't taken either insurance yet, but will probably go with USCCA if I do.
I noticed you said "....if I do" about buying a policy. You're a big boy so I won't lecture you. But, I will tell you how I feel about it for my own skin; Carrying and not having some sought of a policy in the event of a shooting, is like either having your home flood or being involved in an auto wreck without having insurance. You won't be out just a "few thousand" dollars, as the preliminary Grand Jurie process alone can run you $25 to $30k. If the prosecutor should decide to go ahead and charge you, then you're going up to $100K or more in costs!:drowning:
 
#11 ·
None of these plans seem to offer anything until you pull the trigger, and there are many other possible gun related charges to consider (aggravated assault, prohibited location, brandishing, menacing, and armed trespass to name a few).
 
#12 · (Edited)
I was debating between CCW Safe and USCCA and eventually went with USCCA for two reasons: I felt I got more insurance for my dollar at a level I was comfortable with. You may prefer to get more or less than what I was willing to pay for. USCCA coverage was not limited to just firearms. If I decided to go samurai and use my katana (a legit one crafted by an actual swordsmith) on an intruder....I'm covered.
 
#15 ·
None of these plans seem to offer anything until you pull the trigger, and there are many other possible gun related charges to consider (aggravated assault, prohibited location, brandishing, menacing, and armed trespass to name a few).
Those circumstances you mention are actions that a law abiding citizen and responsible minded CHL holder will likely NOT be involved with in the first place.

A decent policy provider like my Texas LawShield will do a preliminary check of the events and determine if you were doing something illegal or negligent to start with. An example; if I choose to enter an establishment that clearly has "No Guns" printed on the front door in 1" high lettering, or they have identified themselves as a "51%" establishment in Texas who's main business is serving alcohol (a bar), I am clearly in violation and should not have entered. If I choose to go in there anyway, and get involved in defending myself in a robbery, my Texas LawShield policy will NOT cover me. Same thing with an accidental discharge; If my concealed gun falls out of my pants pocket or out from under my shirt and discharges in a restaurant, my policy will cover me as long as I didn't take it past a "No Guns" sign. However, if the place allows guns, and I OPEN carried it in there when it fell out of my waistband and dischrged, then I'm still breaking the law because I open carried it illegally without a required holster. I just need to know the laws & act responsibly.
 
#16 ·
If 99% of the CCW holders in a state do not carry such very unique and specialized insurance, then the very few who do might demonstrate a level of premeditation that would make the jury go "hmmm."
A jury would be no more suspicious of intent with that policy, then if you used your home insurance for your flooded house, or auto insurance for your serious wreck. As with ANY charges, the police and witnesses will be the ones to substantiate your guilt or innocence based on the facts. I'd rather be found innocent by the grand jurie with my TexasLawShield policy footing the bill, then my having to write a check for the $30,000 to accomplish the same thing.
 
#17 · (Edited)
None of these plans seem to offer anything until you pull the trigger, and there are many other possible gun related charges to consider (aggravated assault, prohibited location, brandishing, menacing, and armed trespass to name a few).

Actually, USCCA does cover at least some of those instances. I don't know about the other policies. For a while USCCA's webpage featured a video that showed three people who had used their insurance. Only one of them, the third case shown, had pulled a trigger. In fact, the first case shown hadn't even touched his gun, but someone had accused him of threatening him with it, and he was arrested on the spot. (The accuser had bumped his car earlier and tried to open his car door, so I suppose--??--that's where the self-defense angle could come in. I don't know if the policy would cover just a "plain" false accusation of threatening someone or not.) The second case shown had been threatened, got his gun from inside his home but didn't have it holstered, did not attempt to fire it, but was arrested at his home for having the gun out. The final case shown had killed an armed robber in a barber shop. The video was very thought-provoking to say the least.

Edit: Instead of giving a synopsis, I should have taken the time to find the video before replying. Here's a link to it now:
https://www.usconcealedcarry.com/offers/5890be34e7cb2/uscca-membership?tID=589b88c5cb732



I noticed you said "....if I do" about buying a policy. You're a big boy so I won't lecture you. But, I will tell you how I feel about it for my own skin; Carrying and not having some sought of a policy in the event of a shooting, is like either having your home flood or being involved in an auto wreck without having insurance. You won't be out just a "few thousand" dollars, as the preliminary Grand Jurie process alone can run you $25 to $30k. If the prosecutor should decide to go ahead and charge you, then you're going up to $100K or more in costs!:drowning:
Actually I'm not a big boy; I'm a girl. :) But I see your point, and that's why I've spent so much time trying to compare these policies. Even though I don't carry on my person, the first story in the sales video could apply to me. He had a gun in his car but hadn't touched it and still got arrested.

I just tend to be insurance-poor if I don't watch myself. I'm trying to decide on some additional theft/fire/etc. firearms coverage at present, as I think the chances of needing that are greater than the other (for me). Of course, the other loss might be far more expensive. I've not totally ruled it out yet.

Which policy do you have, and what made you choose that one over the others? Edit: Oops, I see above that you have Texas Law Shield.
 
#18 ·
One glaring difference I've noted between USCCA, Carry Guard, etc. and Texas and US Law Shield is that the later provides a qualified attorney, fees paid. So it's not a reimbursement program per se. There are other restrictions but, Law Shield appears to provide more immediate financial coverage.
 
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#19 ·
I sat up way too late last night reading similar discussions about the pros and cons of these on other websites. Apparently we aren't the only ones unclear on some of the details.

USCCA does provide a link to their fine print:
https://d3rmvquxnxa9wt.cloudfront.net/pdf/guides/USCCA_MemberResourceGuide.pdf

On the fourth page (marked page "16") of the introductory pages (before you get to the mice type pages), under item #3 it does state that the criminal defense "retainer" does not have to be repaid to USCCA regardless of the verdict. This may be a biggie in favor of USCCA. (I guess this means only the retainer doesn't have to be reimbursed, though?) I'm uncertain about NRA's, but I think their whole payment for the criminal part has to be repaid if you are found guilty. Does anyone know for sure? Also, it's my understanding that USCCA pays up front to the limits of your coverage, and NRA only pays 20%, with the rest reimbursed to you later. That would matter a lot at the time most people needed it. At this point, I'm still leaning toward USCCA over the NRA plans.

USCCA covers family members who reside in your home, and anyone under age 21 who is in your care in your home, but only while these people are in your residence, not elsewhere. There is a lot of confusion on other websites as to how much coverage your spouse actually has with the NRA plans. What I had read several weeks ago said a spouse is covered only in the residence, but some have said they were told they are covered away from home. Some say they've been told one thing while the website says another. I have not been able to find a link to NRA's fine print. But the fine print doesn't always make things clear to me anyway, because I don't understand all the nuances and legalese.

There is also a U.S. Law Shield owned by the same people as Texas Law Shield, but it varies a lot from state to state with details unclear, so I'm not considering that one. I read a couple of negatives about Texas Law Shield but don't know if they were accurate or not. I'm not in Texas so it's not an option for me. There are other companies as well that I know almost nothing about, so I'm really only considering USCCA or NRA at this point, unless I find out something new that is major.

Has anyone found any new details or been in contact with any of these companies?
 
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