Door
Newbie
Understanding that the best solution is "don't get into a questionable shoot"- can anyone point me toward any serious analyses or discussions of the necessity of CCW insurance? Most of what I've been able to find in researching the topic is more or less paid advertising (USCCA in particular seems to have a relationship with half of the industry), or comparisons of existing services, rather than an actual discussion of whether or not these policies are really beneficial. There have been plenty of forum discussions, but most of these center on the statistical rarity of having to use a firearm in self-defense in the first place. "Stakes over probability" being the basis for carrying a firearm at all, in my opinion, I'd like to hear an argument against it that doesn't rely on the likelihood of the best-case scenario.
I've heard comments thrown around about these companies finding ways to get out of actually covering many scenarios when one gets down to it, but I've never really seen that elaborated upon. I believe I've heard one or two negative comments in passing about carry insurance by guests on the modcast, so I'm genuinely curious as to what qualms folks in the know might have against these services? The idea of assistance with crippling legal costs in the event of a worst-case scenario is very appealing, even considering the cost over time- but I try to be skeptical.
I've heard comments thrown around about these companies finding ways to get out of actually covering many scenarios when one gets down to it, but I've never really seen that elaborated upon. I believe I've heard one or two negative comments in passing about carry insurance by guests on the modcast, so I'm genuinely curious as to what qualms folks in the know might have against these services? The idea of assistance with crippling legal costs in the event of a worst-case scenario is very appealing, even considering the cost over time- but I try to be skeptical.