[Mike Town]

Originally Posted by TRex2

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.

[Hollynla]

Originally Posted by TRex2

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.

[Mike Town]

Originally Posted by Hollynla

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.

[TRex2]

Originally Posted by Mike Town

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

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.

[Hollynla]

Originally Posted by TRex2

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.

[TRex2]

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.)

[snatale1]

Originally Posted by Hollynla

I don't get it, what exactly is it insuring?

Your legal defense after the fact

[snatale1]

Originally Posted by Hollynla

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.

[slingshot]

https://www.selfdefensefund.com/membership/

[Mike Town]

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.