Friday, October 27, 2017
Self-Defense Gun Owner Insurance Programs - are they any good?
Miss D. and I recently took a Texas concealed handgun license class. While it was in progress, the instructors allowed a representative for Texas Law Shield to make a sales pitch for that company's insurance product. I was angry about that - we, the students, had already paid for the class time, so there's no way it could be called ethical for the instructors to allow a salesperson to make a pitch like that on our dime - but there was nothing I could do about it. I was also aware of a 2015 class action lawsuit affecting Texas Law Shield, which makes me hesitant to buy into their program. (If anyone has an update on the current status of that lawsuit, please let us know in Comments - I haven't been able to locate anything through a quick Internet search.)
A variety of similar insurance products are available to gun owners. You'll find a chart comparing them here. It was last updated only a few days ago, so the information it contains should be current.
I think the basic idea is sound, but I've no idea how well such programs work in practice. I'm therefore opening the floor to you, dear readers. Do you have any personal experience with these programs, either as a subscriber, or as one who needed their services after a defensive shooting? If so, I'd love to hear about it. Please tell us what happened in Comments, and in particular let us know whether you've been satisfied with the level of service offered by the insurance program you chose. I think all of us would benefit by learning more about them before making a decision as to where to spend our hard-earned money.