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NRA Carry Guard: Not with a bang, but with a whimper

Discussion in 'General Discussion' started by Reptile, Jul 23, 2019.

  1. Reptile

    Reptile NES Member

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    By Attorney Andrew Branca / July 23, 2019
    This past weekend I received a text from a legal colleague that simply read “RIP Carry Guard.” The NRA launched Carry Guard in 2017 as a hybrid self-defense training and self-defense “insurance” program. It now appears the long-troubled “insurance” facet has, for perfectly predictable reasons, been shuttered completely, and the training facet appears to be questionable, as well.

    NRA Carry Guard: Not with a bang, but with a whimper – Law of Self Defense
     

  2. SgtHal75

    SgtHal75 NES Member

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    Forget about all the problems going on with the NRA right now. I don’t understand how someone would choose this product over a couple the other carry insurance products out there that are far superior
     
  3. frenchman

    frenchman NES Member

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    I have US Law Shield, which gets me representation by E. Nappen in case of self defense (NOT limited to firearms). Cost me something like $12 to be covered within NH. Carry Guard didn't even come close to that, left alone the price they were asking for mediocre coverage. Oh, and SCREW THE NRA.
     
    jpm, SKumar, teaser452 and 2 others like this.
  4. sigfanboy13

    sigfanboy13

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    Yea thier product was inferior from the get go. Good bye
     
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  5. KBCraig

    KBCraig NES Member

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    There are people who trust the NRA as if it's the only defender of gun rights.

    They have a name. It might remind you of a certain Warner Brothers rabbit hunter.
     
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  6. CatSnoutSoup

    CatSnoutSoup NES Member

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    I would not have bought in, but by the same token I’m not going to cheer, their underwriters were railroaded by multiple anti-gun showboating AG’s.

    :emoji_tiger:
     
    Woodstock likes this.
  7. roccoracer

    roccoracer NES Member

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    I have the USCCA plan. When I looked at all the options the NRA plan was near the bottom for what you recieved and at the top for cost.
     
  8. Law of Self Defense

    Law of Self Defense Attorney

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    Reptile likes this.
  9. granitestater

    granitestater

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    I'll just leave this here:
    https://armedcitizensnetwork.org/
     
  10. roccoracer

    roccoracer NES Member

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    Im not sure what you are trying to say. Do you think armedcitizensnetwork is better? If so please explain why. I am truly interested in all of my options. I am paying $30 a month for what I have now.
     
  11. granitestater

    granitestater

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    The Armed Citizens Legal Defense Network will cost less and provide greater benefits if you need them. It is a 50 state plan without any other add ons. It allows you to use one of their network affiliated attorneys or any licensed attorney of your own choosing. Please see for details:
    https://armedcitizensnetwork.org/learn
    https://armedcitizensnetwork.org/learn/support-plan-comparison
    https://armedcitizensnetwork.org/learn/frequently-asked-questions
     
  12. Rob Boudrie

    Rob Boudrie NES Member

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    The real question is "Will these firms be there for you when you really need them?", which is different from "have you paid claims in the past?". Questions like what are their cash reserves; how much of the premium is retained in a segregated account for the purpose of settling claims; what percentage of the premium goes to marketing; what to overhead; and how much is retained for claims? How much $$ goes to the founder?

    If the company will provide this, they might be legit. If it refuses or says they are not required to (which reads we are allowed to, but refuse to let that info out), consider it a red flag (but no, that does not let you take their guns :p)

    And finally, remember the three magic words "Audited financial statement". If you get the run around when asking for one, then run.

    Remember, these companies are not regulated or monitored in the way insurance companies are, and there is no independent private sector oversight firm like AM Best. Some go out of their way to state they are not insurance, they merely provide money and/or services when a claim is filed (quacks like a duck and all) to avoid the complexities and filing requirements imposed on actual insurance companies. They are even lower on the insurance regulation chain than a risk retention group.

    And finally, I lost respect for the not-guilty NRA spokesmodel Dana when she agreed to shill for the crappy NRA product rather than refusing on principle. The "I don't leave home without my reimbursement after victory at trial membership card" rant was a bit hard to take seriously.

    I am suspicious about the Armed Citizen network CEO deciding to "not take the bar" but was impressed by the claim of a separate legal defense fund, and the admission that only 25% of the dues actually goes to this fund.

    There are other specifics plans do not go into detail on - what are the limits on attorney fees? Will they let you hire that big name attorney who charges way above the average no-name attorney? What about private investigator and expert witness fees? It is not realistic to expect a blank check, so it would be good to know what the limits are.
     
    Last edited: Aug 8, 2019
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  13. SFC13557

    SFC13557 NES Member

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    *****
    Ditto.
     
  14. Rob Boudrie

    Rob Boudrie NES Member

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    If the NRA tried to sell me a membership I would tell them I would be very interested once they can provide a list of attorneys who will accept payment only after winning the case.
     

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