Carry Insurance: Is it Really Worth the Cost?

By Jay D. Hunt, Ph.D.

If you’re like most members of the LSA, you probably obtained your Louisiana Concealed Handgun Permit shortly after the law was changed and we became a “shall issue” state. Before our law was changed, any of us had permits issued by other states, most notably Florida. And, like most of our members, you probably walked around carrying that concealed handgun without any real consideration of what might happen if, God forbid, you ever had to use that handgun to protect your life or the lives of those around you. I know I did.

However, something changed for me recently. Someone I know (we’ll call him Bob) used his concealed handgun after a road rage incident caused another driver to stop his vehicle in front of Bob’s vehicle. The other person got out of his vehicle and smashed his fist into the hood of Bob’s truck. Bob wounded the other person with his handgun. Someone called 911, and the local police arrived…and arrested Bob. The wounded man was transported to the hospital and was arrested later. Bob has been arraigned and charged with aggravated battery and aggravated assault with a firearm and will face felony charges. The other guy was charged with disturbing the peace, criminal damage and obstruction of the public passage. Bob is retired and is not wealthy so he may be facing financial ruin and, if convicted of a felony, loss of his right to own firearms.

What kind of financial burden is associated with defending oneself from felony charges? The Death Penalty Information Center (1701 K St NW, Suite 205, Washington, DC 20006) has published the following information:

For a Non-Capital Case (no murder charges), the average cost to the defendant is $217,400.
For a Capital Case, the average cost to the defendant is $459,600.

I don’t know about you, but I don’t have that kind of money to toss away on defending myself from charges related to the use of my firearm!

I decided that I needed to make sure that I did not put my family in a financial crisis if I use my concealed handgun. As an officer of the LSA, I used my position to research concealed carry insurance options and negotiated a deal with US LawShield to the advantage of both our members and the LSA. I urge you to do your own research and consider the following.

ZEALOUS LEGAL REPRESENTATION:US LawShield Independent Program Attorneys will represent you in any legal proceeding–criminal or civil–should you ever need to use a firearm or other legal weapon to protect yourself, your life, or your property. Legal defense will be provided for all police investigations, pretrial proceedings, and both criminal and civil trials. There is no limit on the number of hours devoted to your defense.

24/7/365 ATTORNEY-ANSWERED EMERGENCY HOTLINE: The 24/7/365 Attorney-Answered Emergency Hotline is available exclusively to Members of US LawShield. The hotline will always be answered by a US LawShield Independent Program Attorney. Your conversations are always fully confidential. Members will receive their Member ID Card with the Emergency Hotline Number printed right on the back, so you’re always able to reach them.

NON-EMERGENCY ACCESS TO INDEPENDENT PROGRAM ATTORNEYS: For non-emergency legal questions, call the non-emergency Member Services number and they will get you connected with a local Independent Program Attorney during normal business hours.

COVERAGE OPTIONS: Even if you don’t have a state-issued handgun carry permit, their Program covers you everywhere in your membership state where you can legally possess a firearm without a license. The program also covers the use of all other legal weapons. Multi-State coverage is available as an add-on so US LawShield can protect you wherever you go.

WHAT’S NOT COVERED: While their services are extensive, the program does not cover expert witness fees, governmental fees of any type, identity theft, stolen firearms, investigator fees, or bail bonds. In Texas, Oklahoma, and Pennsylvania, however, members do have the option to purchase Bail Bond and Expert Witness add-on coverage.

            If you’re interested in obtaining carry insurance, check out US LawShield. Coverage for an adult is $131.40 per year (or $10.95 per month). The cost for two adults is $240.00 per year (or $21.90 per month). If you use the code LSAGUN when you sign up, you’ll receive two months of free coverage!

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