Welcome to the clubthis is great group of people here with lots of experience and plenty of opinions. Good luck and enjoy.
Texas law protects the same from civil suits. The catch is the same as yours--you must be not guilty of criminal charges, and that can cost you a lot of money. Ayoob's $50-100k cost is for criminal defense. I urge anyone who carries a gun to read Ayoob's Gun Digest Book of Concealed Carry (Amazon: Link Removed) and then decide if you need legal coverage. A simple oversight like not being the first party to call 911 can make the difference.Hi Mary, welcome to the forum. ... As for the insurance, that would depend on your state laws for me to even consider it. Here in SC, it would be a waste of money. Reason being because SC laws protect you from civil suits as long as the shooting was found to be justified and you were not found guilty of any crimes related to the shooting. Now I don't know this for sure because I haven't looked into them, but I would guess that if the shooting was found to be an unjustified shooting, the insurance wouldn't cover you either. So if that's the case, then in a justified shooting I'm covered by law, and in an unjustified shooting I'm screwed either way.
Texas law protects the same from civil suits. The catch is the same as yours--you must be not guilty of criminal charges, and that can cost you a lot of money. Ayoob's $50-100k cost is for criminal defense. I urge anyone who carries a gun to read Ayoob's Gun Digest Book of Concealed Carry (Amazon: Link Removed) and then decide if you need legal coverage. A simple oversight like not being the first party to call 911 can make the difference.
Texas Law Shield defends both. Of course everyone here agrees with the "better to be..." If you are going to be judged, though, you need a lawyer in your corner, and that can be expensive. You also need that lawyer to know gun laws.Does the insurance cover your defense charges in a criminal trial or only civil? Cause that might would be the only upside. Like if it would have covered Zimmermans legal fees for example. But at the end of the day, being judged by 12 (or 6) is much better than being carried by 6.
The handgun stopping power myth persists, but the truth is the old saying that a pistol is to fight your way back to your rifle. 55grains of 5.56mm at 3,000fps with a round that tumbles when it strikes flesh...that is the definition of stopping power. All pistols are weak in comparison. Look at this study:the answer to having high levels of stopping power and also low recoil is to use very lw bullets, at very high speeds. As in 50 grs at over 2000 fps. same recoil as 100 grs at 1000 fps,, but 450 ft lbs, not merely 210 ft lbs. Such bullets, at such speeds, can be made and and safely, fired in 9mm pocket autos and .38 snubs, but they pierce Kevlar vests. While that's not illegal, if they have a small lead "core" and are mostly aluminum or zinc, no ammo maker wants to risk the ire of the LEO'S.
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