NRA "Carry Guard" Self Defense insurance?

[Buck F]

I have the USSCA plan. Given what I spend on ammo, guns, range memberships, etc. and more importantly, what I have to lose financially if there's an incident no matter how justified, the USCCA plan is a no brainer for me.

 

[Buck F]

Under the NRA plan you do have immediate access to up to 20% of the legal defense policy amount, which with the top plan would be $30 thousand dollars, for retainer and/or bail, labeled as "supplementary expenses." The rest has to wait until after acquittal. By law insurance companies cannot pay off on a crime, and under the NRA plan you are buying an individual policy, through them, with an insurance company. USCCA does it differently, they maintain an umbrella insurance policy, and you are buying coverage under their policy, so apparently they don't have the same rules to follow. USCCA has an edge in that they cover bail costs separate from the legal defense coverage total, while with the NRA it is part of the legal defense total.

That's not how it works. With USCCA you get your own policy with an insurance company, I have one and it doesn't mention coverage under an "umbrella" policy of theirs as best I recall (I'm a 20+ year licensed insurance professional, I think I'd have remembered that). An Umbrella policy is an entirely different thing, I believe the concept you're referring to is re-insurance which the company that underwrites USCCA's member policy most surely has as does the NRA's underwriting company. You are correct, insurance companies don't pay out on criminal acts which is why USCCA's program includes a liability insurance policy for the civil suit and a legal protection plan for criminal defense; they are separate and unrelated from each other. The liability policy will also pay to defend you from a civil (monetary) lawsuit, they all do since they have a vested interest in paying as little as possible to the person suing you.

I havent checked the NRA program but if they don't pay the legal costs if you're found guilty what's their incentive to vigorously defend you? They have to pay if they get you off but not if they don't? Why would they want you to get off on the criminal charges. Since the costs are about the same it sounds like USCCA is a no brainer.

 

[Rob Boudrie]

The liability policy will also pay to defend you from a civil (monetary) lawsuit, they all do since they have a vested interest in paying as little as possible to the person suing you.

Only if the insurance/plan has a provision that includes payment of judgments against you.

I havent checked the NRA program but if they don't pay the legal costs if you're found guilty what's their incentive to vigorously defend you?

The NRA does not defend you. You hire your own attorney, with your cash up front, and apply for reimbursement if you are not convicted or plead to so much as double parking in front of the self defense location at the time of the incident. That is, if you can come up with the necessary cash.

Also, if you are charged for using pepper spray or the pugilistic arts you are not covered by the NRA policy, but are covered by the USCCA plan.

The NRA plan is like other NRA insurance products - extra "holes" to keep the cost low enough to pay the middleman (NRA) a cut. It will be interesting to see if any of the big name gun mags have the guts to call the NRA out on this one.

 

[bullseye]

Dead folks don't testify, unload on the threat until it resembles Swiss cheese.

 

[Buck F]

Only if the insurance/plan has a provision that includes payment of judgments against you.

That is the point of any liability policy, to pay out civil judgments against you (and to pay defense costs for the civil lawsuit - which is entirely different and separate from the legal defense retainer they also provide). Typically these policies start with "We will pay..." and then go on to list what they will pay for i.e. Coverages, conditions & exclusions.

USCCA provides you with a liability policy that does just that.

 

[fencer]

The reality is that if you are actually not guilty, there is an excellent chance you WILL plead guilty to a lesser charge. Sure, it's easy to say "I'd never do that", but things change when your attorney says "Take the deal and this is over but you'll be a PP; if you go to trial and lose you will need soap on a rope, since the courts punish people who turn down deals severely. Remember, the prisons are full of people would be free if they did as they were told and gave the prosecutor an easy win. Oh, and if it goes to trial, I'll need another $50K before I start preparing your case."

Add in a couple of years worth of extensions and continuances, and you may just plead to get it over with.

I wish I could buy insurance that prevents you from having to fork over your life's savings to a scumbag lawyer. There is something seriously wrong with a country that punishes innocent people because they can't afford quality legal council, against a government funded prosecution team who will essentially ruin your life and the lives of your family for not admitting you are a criminal when you have committed no crime. How the hell did we get here?
Makes you wonder who the real criminals are.

 

[tcarter01]

I wish I could buy insurance that prevents you from having to fork over your life's savings to a scumbag lawyer. There is something seriously wrong with a country that punishes innocent people because they can't afford quality legal council, against a government funded prosecution team who will essentially ruin your life and the lives of your family for not admitting you are a criminal when you have committed no crime. How the hell did we get here?
Makes you wonder who the real criminals are.

THIS!!!

 

[Buck F]

Both of these plans seem expensive considering that through most employers you can buy a prepaid legal plan for $300 / year that covers your whole family.

These typically cover writing / updating a will annually, and any defense you or your family might need (not only carrying, but if your kid gets in a fight and is charged w assault, OUI, etc...).

A $300 employer provided prepaid legal plan does not provide you with $1Mil in liability coverage on top of the $100k legal retainer you get w USCCA. If you're going to carry, suck it up and spend another $50 and get the proper coverage. I piss away $300 a month on ammo, accessories, range/club memberships, sushi... if your kid gets a dui cough up the $5-$10k in legal fees or better yet smack him in the head and make him pay for it. A DUI won't break you financially, a criminal murder defense and a liability lawsuit will.


Sent from my iPhone using Tapatalk

 

[Spanz]

WHY the actual F is the NRA such a money grubbing company? Why dont they just do something good for their members WITHOUT trying to make a buck off of it?