NRA Carry Guard

This forum is for discussion of general issues regarding Concealed Carry in your everyday life. This forum is not intended to be political or for discussing legislation.

Moderators: Coordinators, Moderators

NRA Carry Guard

Postby AzRanger » Fri Apr 28, 2017 7:39 am

Did anyone sign up for this? Important insurance to cover legal costs if you have to defend yourself.

Looks like a good idea! 8)
God made man, Colt made them equal
User avatar
AzRanger
OFCC Member
OFCC Member
 
Posts: 230
Joined: Thu Jul 12, 2012 11:33 am
Location: Northeast Ohio

Re: NRA Carry Guard

Postby M-Quigley » Sat Apr 29, 2017 3:29 pm

No, not yet, don't know anything about the details. (haven't read my American Rifleman yet) It does however explain why the two main competitors to this program were allegedly told 2 weeks before the NRA convention in Atlanta were not allowed to have a booth there.
M-Quigley
 
Posts: 2893
Joined: Wed Jun 24, 2015 10:06 pm
Location: Western Ohio

Re: NRA Carry Guard

Postby pirateguy191 » Sat Apr 29, 2017 6:24 pm

Lots of discussions on Facebook. Most have said, ok all have said, it kinda sucks.
"In this present crisis, government is not the solution to our problem; government is the problem." - Ronald Reagan

"When democracy turns to tyranny, the armed citizen still gets to vote." ~ Mike Vanderboegh

NRA member, NRA basic pistol instructor, DBACB
User avatar
pirateguy191
 
Posts: 10723
Joined: Sat Feb 14, 2009 12:06 pm
Location: 44146

Re: NRA Carry Guard

Postby M-Quigley » Mon May 01, 2017 9:51 am

pirateguy191 wrote:Lots of discussions on Facebook. Most have said, ok all have said, it kinda sucks.


I'm not on Facebook. Was there any consensus about which organization or company that sucks the least?
M-Quigley
 
Posts: 2893
Joined: Wed Jun 24, 2015 10:06 pm
Location: Western Ohio

Re: NRA Carry Guard

Postby pirateguy191 » Mon May 01, 2017 10:42 am

M-Quigley wrote:
pirateguy191 wrote:Lots of discussions on Facebook. Most have said, ok all have said, it kinda sucks.


I'm not on Facebook. Was there any consensus about which organization or company that sucks the least?


I believe USCCA. I'll see if I can find it.
"In this present crisis, government is not the solution to our problem; government is the problem." - Ronald Reagan

"When democracy turns to tyranny, the armed citizen still gets to vote." ~ Mike Vanderboegh

NRA member, NRA basic pistol instructor, DBACB
User avatar
pirateguy191
 
Posts: 10723
Joined: Sat Feb 14, 2009 12:06 pm
Location: 44146

Re: NRA Carry Guard

Postby pirateguy191 » Mon May 01, 2017 10:50 am

Image
"In this present crisis, government is not the solution to our problem; government is the problem." - Ronald Reagan

"When democracy turns to tyranny, the armed citizen still gets to vote." ~ Mike Vanderboegh

NRA member, NRA basic pistol instructor, DBACB
User avatar
pirateguy191
 
Posts: 10723
Joined: Sat Feb 14, 2009 12:06 pm
Location: 44146

Re: NRA Carry Guard

Postby DontTreadOnMe » Mon May 01, 2017 1:54 pm

I think it's important to note that chart was prepared by USCCA so of course it highlights things in the best way for them.

For example, take the coverage amounts (1.125 m vs 1m for NRA). That's deceptive because the amounts both plans offer for criminal charges are much lower ($125,000 for USCCA vs $150,000 for NRA). I'm not sure why they only list the NRA limit as $1,000,000 vs $1,150,000 since from what I can tell the civil/criminal benefit amounts are separate for each group ("Civil defense legal fees are in addition to the insurance limit for each membership level.").


I'm also confused about USCCA's claim that their $125,000 benefit is "regardless of the verdict in court" because their full policy document clearly states otherwise:
Exclusions
This insurance does not apply to:
a. Criminal Acts
Bodily injury” or “property damage” arising out of a criminal act by any insured or caused
by or during any criminal act of any insured. This exclusion does not apply to“bodily
injury”or “property damage” resulting from an “act of self-defense”.

So how can they claim the benefit is "regardless of the verdict in court" ?


As far as spousal coverage, USCCA claims they cover your spouse in the primary residence and residence while traveling, vs. their claim that NRA's plan only covers your spouse in the primary residence. However the NRA says
- Spouses are automatically covered at no additional cost.
- Family members who live with the NRA Carry Guard member are covered for acts of self-defense in the home at no additional cost.


I'm sure there's more, and I'm not advocating either plan, but I'd recommend not just believing the summary put out by one group vs. the other.
User avatar
DontTreadOnMe
OFCC Patron Member
OFCC Patron Member
 
Posts: 1637
Joined: Wed May 02, 2012 11:11 am
Location: SW Ohio

Re: NRA Carry Guard

Postby AzRanger » Tue May 02, 2017 8:21 am

Since the NRA has been around forever and doesn't look like they're going away I think I'm going to sign up with them. :wink:
God made man, Colt made them equal
User avatar
AzRanger
OFCC Member
OFCC Member
 
Posts: 230
Joined: Thu Jul 12, 2012 11:33 am
Location: Northeast Ohio

Re: NRA Carry Guard

Postby pirateguy191 » Tue May 02, 2017 10:38 am

AzRanger wrote:Since the NRA has been around forever and doesn't look like they're going away I think I'm going to sign up with them. :wink:


That's one.
"In this present crisis, government is not the solution to our problem; government is the problem." - Ronald Reagan

"When democracy turns to tyranny, the armed citizen still gets to vote." ~ Mike Vanderboegh

NRA member, NRA basic pistol instructor, DBACB
User avatar
pirateguy191
 
Posts: 10723
Joined: Sat Feb 14, 2009 12:06 pm
Location: 44146

Re: NRA Carry Guard

Postby dingode » Fri May 05, 2017 7:11 pm

There is a story that USCCA had a spot all rented for the recent NRA convention and then shortly before the convention kicked off the NRA disinvited them because they, the NRA, were coming out with carry shield. Kinda dirty of the NRA if this is true.
dingode
 
Posts: 309
Joined: Wed Aug 17, 2011 6:29 pm
Location: Toledo

Re: NRA Carry Guard

Postby JustaShooter » Fri May 05, 2017 7:42 pm

dingode wrote:There is a story that USCCA had a spot all rented for the recent NRA convention and then shortly before the convention kicked off the NRA disinvited them because they, the NRA, were coming out with carry shield. Kinda dirty of the NRA if this is true.

Although the reason hasn't been officially confirmed, the rest is true.

https://www.usconcealedcarry.com/presid ... l-meeting/
Christian, Husband, Father
NRA Life Member
NRA Certified Range Safety Officer
NRA Certified Pistol & Rifle Instructor

Want to become more active with OFCC and help fight for your rights? Click Here!
User avatar
JustaShooter
OFCC Coordinator
OFCC Coordinator
 
Posts: 4530
Joined: Thu Feb 07, 2013 3:08 pm
Location: Akron/Canton Area

Re: NRA Carry Guard

Postby Bruenor » Mon May 15, 2017 1:55 pm

Would love to see an unbiased head to head comparison of the NRA's Carry guard, USCCA, Second Call Defense, and ACLDN (ACLDN I believe was one of the first)

https://www.concealedcarry.com/law/shie ... -compared/
https://armedcitizensnetwork.org/index. ... yers-guide
http://misfiresandlightstrikes.com/2016 ... omparison/
https://selfdefensefund.com/wp-content/ ... -Chart.pdf


Looks like a lot of the comparisons haven't updated since NRA Carry Guard was announced.
Μολὼν λαβέ

"Arms discourage and keep the invader and plunderer in awe, and preserve order in the world as well as property. . . Horrid mischief would ensue were the law-abiding deprived of the use of them."

- Thomas Paine
User avatar
Bruenor
 
Posts: 6194
Joined: Mon Jul 24, 2006 3:03 pm
Location: Geneva, OH

Re: NRA Carry Guard

Postby docachna » Mon May 15, 2017 3:00 pm

DontTreadOnMe wrote:

For example, take the coverage amounts (1.125 m vs 1m for NRA). That's deceptive because the amounts both plans offer for criminal charges are much lower ($125,000 for USCCA vs $150,000 for NRA). I'm not sure why they only list the NRA limit as $1,000,000 vs $1,150,000 since from what I can tell the civil/criminal benefit amounts are separate for each group ("Civil defense legal fees are in addition to the insurance limit for each membership level.").


Most insurance policies (auto, homeowners, commercial liability) have defined limits of indemnity they will pay on behalf of their insured, commonly referred to as the "policy limits". Most of the above policies pay defense costs under a separate provision, something often called "Supplementary Payments". That means it's unrelated to the policy limits available to pay a verdict or settlement.

Exceptions are stuff like some Employee Practices Liability Insurance. Say you run a business and have EPLI coverage with $100,000 policy limits. An employee or former employee sues your company for something that is covered under EPLI. The EPLI has what is known as "depleting limits" - in other words, every dollar spent for a defense lawyer is deducted from your policy limits. So if your company hires a lawyer to defend you, and the lawyer runs up $25,000 in defense costs before the matter is settled or tried, you only have $75,000 in EPLI policy limits left.

USCCA does not appear to have depleting limits. I don't have access to an NRA policy, so I can't say (it's usually available only in the policy, not in their sales propaganda). If it reads like the quote above, then defense costs are in addition to the liability limits, either capped at a certain amount, or unlimited defense costs.
ΜΟΛΩΝ ΛΑΒE
docachna
 
Posts: 1969
Joined: Sun Mar 15, 2009 9:26 am
Location: Mount Juliet TN

Re: NRA Carry Guard

Postby Ray81 » Mon Aug 07, 2017 5:46 am

Ccwsafe member found not guilty in self defense shooting.
Ccwsafe member pays zero out of pocket of $300,000 in legal mumbo jumbo fees.

Watch YouTube video here.

https://youtu.be/xzWuEKyhdKE


I'm thinking of switching to ccwsafe when my gun owners legal membership ends in october.
Ray81
OFCC Patron Member
OFCC Patron Member
 
Posts: 104
Joined: Thu Apr 02, 2015 4:46 pm
Location: Franklin County

Re: NRA Carry Guard

Postby DontTreadOnMe » Mon Aug 07, 2017 6:20 am

Thanks for sharing this.

Here's a thread identifying the case: https://www.calguns.net/calgunforum/sho ... p=20449551

Here's a news article that gives the prosecution's theory of the case, and the defense's side: http://www.wilsontimes.com/stories/stat ... rial,90208
User avatar
DontTreadOnMe
OFCC Patron Member
OFCC Patron Member
 
Posts: 1637
Joined: Wed May 02, 2012 11:11 am
Location: SW Ohio

Next

Return to Ohio Concealed Carry Discussion

Who is online

Users browsing this forum: No registered users and 7 guests

cron