Right, but if your health plan didn't cover you in the event you were struck by lighting, you wouldn't get a separate, lighting-only policy, which is my point. The reason health insurance makes sense is because it is a mathematical certainty that you will eventually get sick, and it will happen somewhat frequently. You will use the insurance frequently.I also carry 24/7.
Your argument doesn't hold water. Insurance is a hedge on the possibility of something happening. Doesn't matter what that something is.
ETA I have health insurance in case of lightning.
CCW insurance is intended to provide coverage for a niche scenario that is extraordinarily rare by any reasonable definition. You understand the difference there, right?
If you are comparing life insurance to CCW insurance, there are serious flaws in your understanding of probabilities. It is a mathematical certainty that you will die, and your life insurance covers death resulting from innumerable scenarios. As I stated above, CCW insurance only covers an extraordinarily narrow set of circumstances.@IvanVic your logic is basically saying that you can either die, or lose everything afterwards. The thought of having the insurance to be able to carry on living after the event. Other wise you're probably going to lose everything you own or be in unescapable debt. Personally I'd rather pay for the insurance and have the piece of mind that it's there. Just like my life insurance or my car/motorcycle insurance.
I would love to see the margins of companies who only issue CCW insurance. They have to be phenomenal. I can't exactly blame them, but I would feel bad taking someone's money under the same circumstances.
I already addressed this point when I compared the consequences of not having a gun versus the consequences of not having CCW insurance.
Math is devoid of emotion. Talking about simple probability is not "berating" someone. You are not being victimized here. But to your point, people seldom detach themselves from emotional ideas, which is why it is difficult to convince someone they are getting taken for a ride when they buy CCW insurance. It is an emotional decision made by a person who is drastically overstating the probability of using a firearm in a self-defense scenario.What I find absolutely retarded is that someone is on here talking about how much they carry, and is for some reason, berating others for covering their rear financially in case they do actually use a firearm to protect themselves. Seems that if anything, YOU have more emotional input about how others protect themselves, than those simply stating what they use. To be honest, given todays DAs, even in conservative counties, I'll spend what I consider a lunch a month to protect my rear. Still don't like it? They probably make a salve for that.