U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Arkansas
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 10-10-2017, 09:50 AM
 
67 posts, read 9,052 times
Reputation: 77

Advertisements

Quote:
Originally Posted by TRex2 View Post
Its primary purpose is to cover the cost of legal representation,
but I was wondering if that applies where someone thinks
the 2nd Amendment doesn't apply.

I have never seen a breakdown of their terms of what
is covered and when and where you are covered.

Most of the explanations I see on the Net are far
too simplified to be anything close to realistic.
NRA Carry Guard seems straight forward in what they are saying about it.
Reply With Quote Quick reply to this message

 
Old 10-10-2017, 09:51 AM
 
Location: Ozark Mountains Arkansas
1,297 posts, read 777,832 times
Reputation: 2764
Quote:
Originally Posted by TRex2 View Post
I wouldn't call it ridiculous, but I am not sure it is worth the price. I wonder how many people have had to pay for legal representation, and how much, out of their own pocket, for a completely justified use of a firearm.
Also, does this insurance cover items like having to hire a lawyer because some tin badge dictator decides the 2nd Amendment doesn't apply in his jurisdiction? (not often, but it happens)
As individuals, we may need a lawyer in life for many different reasons. The odds of it being for denfending our use of self defense is minute. Does anyone carry insurance for legal representation for all the possibilities in life? That's what makes it ridiculous to me.
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 01:59 PM
 
67 posts, read 9,052 times
Reputation: 77
Quote:
Originally Posted by Hollynla View Post
As individuals, we may need a lawyer in life for many different reasons. The odds of it being for denfending our use of self defense is minute. Does anyone carry insurance for legal representation for all the possibilities in life? That's what makes it ridiculous to me.
It's only ridiculous until you need it.
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 03:43 PM
 
Location: Central Texas
547 posts, read 112,352 times
Reputation: 438
Quote:
Originally Posted by Mike Town View Post
It's only ridiculous until you need it.
I always work the probabilities against the costs.

If the odds of needing it are 1 in 2000 in any particular year,
then this is worth it, but if the odds are 1 in 40,000 then it
isn't worth it.

We carry insurance on our houses, even though the odds
of a fire are fairly remote, but the odds of burglary or some
other covered event is high enough to warrant it.

I wonder what the odds are set at for the coverage
that NRA sells. I bet their actuary knows.

As for the statement that
Quote:
NRA Carry Guard seems straight forward in what they are saying about it.
it is still generalities. Specifics would be:
If you are subject to prosecution for x then we will provide y
And if you are sued for p then we will provide q
And if the outcome is s then we will do t

The actual specifics would require at least a full page.
I suspect their insurance carrier or underwriter
has at least a dozen pages of legalese to cover it.
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 04:04 PM
 
Location: Ozark Mountains Arkansas
1,297 posts, read 777,832 times
Reputation: 2764
Quote:
Originally Posted by TRex2 View Post
I always work the probabilities against the costs.

If the odds of needing it are 1 in 2000 in any particular year,
then this is worth it, but if the odds are 1 in 40,000 then it
isn't worth it.

We carry insurance on our houses, even though the odds
of a fire are fairly remote, but the odds of burglary or some
other covered event is high enough to warrant it.

I wonder what the odds are set at for the coverage
that NRA sells. I bet their actuary knows.
The odds that you will have to shoot a person in self defense is very slim. Then couple that with the chance that you would then be persecuted for it and need legal defense, that's even slimmer. But I guess there's always those that prefer to insure themselves against any and all possibilities and there are insurance salesmen that love them.

Last edited by Hollynla; 10-10-2017 at 04:16 PM..
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 05:09 PM
 
Location: Central Texas
547 posts, read 112,352 times
Reputation: 438
Quote:
The odds that you will have to shoot a person in self defense is very slim.
If you draw or display your weapon (or if they say you did) they could say it was a threat. You can be prosecuted in some jurisdictions without doing anything. (But I do try to avoid any zone that I know has become a Constitution Free Zone).

All that said, I never said the insurance was a good deal, only that I wouldn't call it ridiculous, and would like to see the rules and statistics the actuarial uses to set the rates. Ultimately everything is a matter of odds. (Of course, I see almost everything in terms of math and physics. It is just the way I think.)
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 05:49 PM
 
Location: Behind You!
1,945 posts, read 3,012,926 times
Reputation: 2566
Quote:
Originally Posted by Hollynla View Post
I don't get it, what exactly is it insuring?
Your legal defense after the fact
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 05:53 PM
 
Location: Behind You!
1,945 posts, read 3,012,926 times
Reputation: 2566
Quote:
Originally Posted by Hollynla View Post
As individuals, we may need a lawyer in life for many different reasons. The odds of it being for denfending our use of self defense is minute. Does anyone carry insurance for legal representation for all the possibilities in life? That's what makes it ridiculous to me.
If you were forced to LEGALLY use deadly force and then looking at a prison sentence for doing so even though you shouldn't be, you most likely wouldn't say that. The odds of winning Powerball is almost 1 in 300,000,000 yet people do it all the time.
Reply With Quote Quick reply to this message
 
Old 10-10-2017, 07:16 PM
 
Location: United States of America
1,869 posts, read 2,279,530 times
Reputation: 3392
https://www.selfdefensefund.com/membership/
Reply With Quote Quick reply to this message
 
Old 10-11-2017, 08:43 AM
 
67 posts, read 9,052 times
Reputation: 77
Just look at what they did to George Zimmerman For defending himself, The guy was trying to kill him but yet he was charged with 2nd degree murder.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2013 data
Loading data...

123
Hide US histogram


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Arkansas
Similar Threads
View detailed profiles of:

All times are GMT -6.

2005-2017, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32 - Top