Looking to buy CCW Insurance

Bigchillin83 said:

The DA and public defender system has allways done me right,now I had a paid lawyer for a Settltment on a land issue and he flat out screwed my eyes out!!!!

but like I said there will be more than enough proof that it was justifiable.... Just saying

I did hear from several people that the nra supplied ins is less than adequate

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Bigchillin83 said:

we have very strong "castle law, stand your ground law" in Louisiana.. in the last 15 years I haven't seen anybody who has shot/killed anybody in a home invasion/break in LA. and not been deemed justifiable homicide way before it even thinks about going to court... And if its deemed justifiable like I said earlier its case closed, 0 civil suit against you which is the main reason for ins, in my option

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Bigchillin83 said:

I'm a home body, got pleanty enough property to play on, don't need to leave the state, and luckily my job doesn't require it either!!!

What kind is self defense in a truck? You got a gas peddle right, drive on through... Other states don't have the laws we have for carjackers, The fine state of LA says you can shoot a carjacker if he make attempt to gain access to your car while you are in it, even breaking the plane of the window if down...

And for the uscca having a story, that's just advertisement to buy into them, I can tell you "story's" as to why you should buy another product.... Self promotion lol.... If they offer the koolaid, sombodys gonna drink it

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extra300 said:

Just recently received my CCW permit and was looking into an insurance policy. Any recommendations? Looks like the NRA recently started offering there own insurance (NRA Carry Guard). USCCA is the other insurer I hear a lot about. Any others? Anyone have experience with NRA Carry Guard? Just trying to weigh my options on the experience of others and what other choices may be out there. Thanks!

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Bigchillin83 said:

Ronald gasser? Total diff situation, personal confentation that happened way before that situation... And a hit and run with chasing sombody down ... They were both in the wrong on all situations lol, I still find it hard that uscca will dish out big $$$ up front when you don't have a case/...

Heck 99% of all ins company's won't give you money to fix your house that you owe money on, let along getting CASH, to defend a person, in other words you can get a huge loan with collateral(house,auto,ect) go try to get a cash loan with nothing as collateral, you gotta have more money in the bank then the loan you want to get...

And another, my father in law passed away over 2 months ago, and he had life ins for about $10k for 25 years, and his widow has been fighting with them to get his ins claim even with death certificate and all.... And that's just 10k he has been paying for for 25 years, still haven't seen 1 penny... INS IS WORSE THAN LAWYERS!!!, no offense if any of y'all are lawyers, I'm not talking about "you people" lawyers lol

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Bigchillin83 said:

I guess im kinda by my self on this one.. I don't feel the need for it, especially since LA. passed the law as if its deemed justifiable, NO CIVIL suit can be filed against you. so you wont have to worry about being sued by the family or friends of the victim .. I have had a CHP for 9 years and just renewed my permit again last month, so im not new to it. I try to trust myself in situation where I would need a firearm, I don't consider my self as a vigilante... in other words I keep to my self and don't go looking for a excuse to use my firearm. I guess it has its place but in a world where we are forced to insure ourselves to death and have less than adequate coverage and have to fight ins company's for whats rightfully ours after a claim, I would rather take my chances.. Take the flood for example... people who didn't have ins most of them got money very fast from fema, along with housing ect.. if you had ins it was a slow process, I know people at work still fighting there ins company for money that's owed to them. If your a member of the nra I think you get a $7500 ins plan with member ship, and no 7500 wont go a long way but it will help...

I guess what im saying is if I had to use my firearm it will be without a doubt the last option I have and me and my family will be in fear for our life, and it will be obviously justifiable homicide...

to me all ins is a scheme... they not doing it to help people, they doing it to make money, they have a calculation of how much the make off of each person without ever making a claim. Check any ins work... auto/home/health/orthodonic ect, if you tell them you don't have ins and you are paying out of pocket 99% of the time its 50% cheaper than quoted with ins price. before I pay $50 a month for CHP ins I will just keep It and take my chances. I would have paid almost $5500 by now if I would have it. I guess its a risk I am willing to take..

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charlie12 said:

LRS. 9:2800.19

§2800.19. Limitation of liability for use of force in defense of certain crimes
A. A person who uses reasonable and apparently necessary or deadly force or violence for the purpose of preventing a forcible offense against the person or his property in accordance with R.S. 14:19 or 20 is immune from civil action for the use of reasonable and apparently necessary or deadly force or violence.
B. The court shall award reasonable attorney fees, court costs, compensation for loss of income, and all expenses to the defendant in any civil action if the court finds that the defendant is immune from suit in accordance with Subsection A of this Section.
Acts 2006, No. 786, §1.


No where in the law does it say that NO CIVIL suit can be filed against you. You're going to pay up front and then collect if sides with you. And hope you can collect from them.

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