This information is provided to educate our members and is not an endorsement of any particular plan.
Lately there have been a lot of new companies trying to sell different forms of self-defense insurance. None that I am aware of are true insurance plans. They are membership organizations sometimes with an insurance company backing them. You should be very careful when purchasing any of these plans since there are a wide variety of plans with very different coverage. It is your responsibility to make sure that you know what you are getting.
None of the plans in my opinion offer everything that a person might need, but if you shop carefully, the right two plans should cover almost anyone's needs. Because of the different needs of individuals Florida Carry cannot make a recommendation on what company you should buy this coverage from, but the companies listed at the bottom of this article (in no particular order) are some of the better companies on the market. This should not be taken as an endorsement, nor should you rely solely on this information in making your decision.
A few important questions need to be asked up front before purchasing any of these memberships. A bad answer to any of these questions does not mean that company is not acceptable, but you need to know what you are paying for.
1. Can you pick your own attorney, or do you have to use someone they select?
2. If you already have an attorney in mind, is he already included in their network? If not, why?
3. Do they have a referral network of attorneys and experts?
4. Do they have a 24 hour response hotline?
5. Does the plan cover you as costs are incurred or does it only pay if acquitted?
6. Does it only cover attorneys fees or other costs as well? (such as bail and expert witnesses.)
7. How long have they been in existence?
8. What organizations are they affiliated with?
9. What is covered?
Use of a firearm, possession (printing, accidental exposure), criminal attorney fees, civil attorney fees, civil damages, weapons used other than firearms, other self defense not involving a firearm?
9. What is the financial backing of the organization?
10. Is it backed by an insurance company and is that company "A" rated?
One plan that is not insurance backed that should be considered regardless of insurance backing is Armed Citizen Legal Defense Network (ACLDN). Its resources make it a contender even without insurance backing.
After carefully considering all of these factors, buy what suits your needs. Don't forget to check your homeowner's policy as well to see if it covers you for reasonable use of force in your home.
A few companies to consider (in no particular order).
Armed Citizen Legal Defense Network- www.armedcitizensnetwork.org
Defenders Choice- www.defenderschoice.com
US Concealed Carry Association (USCCA)- www.usconcealedcarry.com
Special thanks to Patrick Buckley, Esq., Consulting Attorney, Florida Carry, Inc., for his assistance with this article.
Florida Carry, Inc.
Open Carry & Holsters
by Steven Bass
Lets review a holsters job. The primary responsibility of your holster is toprovide physical protection and retention of your sidearm on your person while allowing you quick and easy access when or if the need arises. With Open Carry you also want a holster that provides some degree of restriction from access to your firearm by others. Holsters can accomplish this in several ways to include but not limited to quality of materials, construction, fit, cant and manual retention features.
Many belt mounted Outside the Waistband holsters currently used for Concealed Carry can easily transition to Open Carry use. Quality open top leather holsters which are wet molded (boned) to a specific make of firearm offer good retention through the friction fit of the holster, in addition some of these holsters like the Galco Avenger offer adjustable tension to increase the amount of resistance necessary to remove the sidearm. –
Kramer Vertical Scabbard Bulman SDS Galco Avenger
For those wishing to step up a level in retention abilities there are several holster styles available to choose from. The traditional time proven thumb break holsters as the name implies require that the thumb of the strong hand disengage the retaining strap before the firearm can be removed from the holster. This provides an additional step making availability of the sidearm to other than the wearer more difficult.
Other types of retention holsters with more novel retention devices exist such as the Bianchi 82 utilizes a mechanical locking system that locks onto the trigger guard of the pistol and requires the middle finger to activate a paddle lever to release the sidearm before it can be removed from the holster.
Bianchi 82Or the Safariland ALS holsters like this 6377
The Safariland ALS secures the sidearm into the holster by locking into the ejection port. The sidearm cannot be removed from the holster until the locking release lever is actuated.
What all of these and many other holsters offer is quality of construction and designs sturdy enough to discourage unauthorized access to the sidearm.
Holsters you should stay away from are the inexpensive and generally poorly made nylon holsters that fit multiple makes and models of sidearm. These holsters offer inferior firearms protection and weapons retention due to poor fit and weak construction.
Using a Tactical flashlight
Richard A. Smith, Director
The Firearms Training Academy
Toll Free 1-855-USA-Armed (872-2763)
One of the most important self defense tools that you can have is a tactical flashlight. When you consider that a fair share of crime happens between dusk and dawn, you must also consider that there is a different dynamic associated with self defense in a dim light situation. Do you practice martial arts or self defense in a well lit environment? Do you shoot at a well lit range? Why do police officers always have a flashlight? Have you ever practiced your self defense tactics in the dark? It is often said that when the excrement hits the fan, you will not rise to the occasion; you will revert to the level of your training. 50% of our day, more or less, takes place between dusk and dawn and according to the FBI more than 74% of all shootings occur during darkness or in places of dim light. Have you spent at least 25% of your training time, working on dim light training? These are some of the questions that you should ask yourself when you evaluate your preparedness and training.
Usually, when confronted with a self defense situation, we are forced to be reactionary. This means we are usually already behind the eight ball in a self defense encounter. How can we try to tip the scales in our favor? A good tactical flashlight is one implement that can help give you the upper hand, especially if you know how to use it.
Flashlight technology has come a long way. It seems that not that long ago, a foot long "mag light" style flashlight was considered “state of the art". Today’s modern tactical flashlights are much smaller and more powerful than the flashlights of yesteryear. The modern tactical flashlight can also be expensive, often times well over a hundred dollars for a good “top of the line” model. Since tactical flashlights are made to be used in self defense situations where lethal force is likely to be used, quality and reliability is a must.
The flashlight technology has gone from a standard incandescent filament bulb to the xenon bulb and as of late, the preferable high power LED bulbs. LED bulbs are definitely the way to go because they offer longer battery life and are usually up to five times brighter than the older xenon bulbs which replaced the older still standard filament bulb. LED bulbs will not break due to the shot recoil of a firearm, the way that the older bulbs would.
Battery technology has also changed with the newer flashlights. Advances have gone from the standard alkaline battery, to the lithium battery to the newer and better technology of the rechargeable batteries. The lithium batteries can be a bit more expensive than a traditional battery, or you can save money by going with rechargeable batteries. These are not the crappy rechargeable batteries that you remember from the past, today’s rechargeable battery is actually quite impressive.
Weapon mounted lights are a viable option and are usually available for most any gun whether it be a shotgun, rifle, or a handgun. I personally prefer a hand held flashlight for many reasons, although I have weapon mounted lights on both my home defense shotgun and my M4 carbine. Weapon mounted lights offer hands-free use, leaving the operator free to use both hands to control the firearm. A disadvantage of a weapon mounted light is that the beam of light will give away the location of its user and the light is aimed parallel to the bore, which means that you will be pointing the gun at anything you wish to illuminate. For me, I use weapon mounted lights for weapons that require the use of both hands.
For handguns, I believe that a hand held light is best. Hand held lights are much more versatile and can be used tactically as well as for any other application that a flashlight can be used for. There are many positions that can be used to allow the light and handgun to be held parallel and provide mutual support, or the light can be held off to the side of the body to present a false target to a potential assailant. Typically the handgun is held in the strong hand and the light is held in the weak hand. Unlike the weapon mounted light, the hand held light may be used to illuminate areas that may or may not contain a target, without pointing the handgun at the area. If a target is detected, the handgun can quickly be brought into line to cover the target. The hand held light also allows the light to be turned on or off as needed, additionally the light might have other features such as a dimming or a strobe feature, that become more user friendly with a hand held light. Furthermore the light can be turned off to minimize the ability of an attacker to locate you.
There are many good quality tactical flashlights on the market today. Some of the most popular brands on the market today are: Streamlight, SureFire, ICON, Elzetta, Energizer, Fenix, Fox Fury First-Light-USA, , Inova, Insight Tech, Maglite, Nitecore, Novatac, OLight, Phoebus Tactical, and many, many more. Shop carefully, try some out, ask people what they use, and get the best flashlight for your needs. My everyday carry tactical flashlight is the Surefire E2D LED and my duty tactical flashlight is the rechargeable Streamlight Strion LED. A must have feature is a push-button tactical tail switch that will allow One-handed operation. Both of my flashlights have this feature. I really like both of these flashlights and I use them both quite frequently. I try to always be prepared and part of my preparations include having a flashlight with me at all times.
One of the main advantages of a tactical LED flashlight is the ability to overwhelm an aggressor's night-adapted vision. I recommend a minimum of 160+ lumens, this will prove to be more than enough to temporarily disorient the attacker when you shine the light in the attackers eyes. This tactic can buy you precious seconds that may help you shift the odds in your favor. Another critical advantage would be identifying your target. Is there ambient light? Is there no light? Whatever the case may be, the flashlight will help you identify your target and what is beyond and you better be sure of your target.
Your stance is something that you need to establish, try out the following methods, find what works and is most comfortable for you, and then practice, practice, practice. Hopefully you have already practiced a stance that works for you, and hopefully you have also practiced variations of your stance. The variations of your stance can be used in different situations, such as: shooting on the move, shooting from the prone position, shooting from a kneeling position, etc… Remember when a critical situation arises, you will most likely not be in a “range” environment and you will have to adapt “on the fly” to the situation at hand. Now let’s incorporate holding a flashlight to the equation. How does it affect your stance?
This hands-together technique, which was developed for, and is limited to, use with older-style flashlights possessing side-mounted switches, works well with large and small versions of the veteran illumination devices. The method is easily assumed by isosceles or modified-isosceles shooters, but difficult to accomplish for those with small hands or when using a heavy flashlight. The latter is of particular concern when the approach is utilized for extended periods.
The Chapman technique is accomplished by grasping the flashlight in a "sword" grip, with the thumb and forefinger circumventing the body, while the remaining fingers wrap around those purchasing the handgun. This approximates a normal, two-handed firing grip, and the arms provide isometric tension.
Like the Chapman technique, the hands-together Ayoob method is restricted to side-mounted-switch flashlights, and it's fatiguing for extended use with heavier models. The benefits are that it requires less training to master than most approaches and isometric tension stabilizes the gun and light for improved accuracy.
Employing the Ayoob technique requires the shooter to grasp the flashlight with a "sword" grip with any finger on the side-mounted switch, then thrusting both hands to an approximate isosceles position and ending with both thumbs touching. The latter action creates isometric tension that steadies the firearm.
Although developed for use with large-bodied flashlights, the Harries technique works equally well with smaller tactical lights, thereby earning this hands-together method its go-to status. As the approach was created for use with large flashlights—a heavy flashlight may be rested on the shooting hand's forearm—this method is less fatiguing during extended use than many others. A hitch, though, is the Harries technique offers poor ergonomics for anything other than the Weaver stance.
For the Harries method, the flashlight is maintained in an "ice pick" grip while the handgun is thrust forward, at which point the non-shooting hand crosses beneath the handgun-retaining arm. The technique finishes with the backs of the hands against one another, creating isometric tension for stability. The type of flashlight—tailcap pushbutton or body-mounted switch—determines whether the thumb or another finger operates the switch.
The Rogers technique, which was later refined by SureFire for use with the company's grip-ring-equipped Combat Lights, allows for rapid flashlight deployment when it's being carried in SureFire's Combat Light holster. This hands-together method closely approximates a normal, two-handed firing grip, but is restricted to only small, pushbutton-equipped flashlights.
To perform the Rogers/SureFire approach, the flashlight is held between the forefinger and middle finger of the non-firing hand with the tail cap pushbutton positioned against the palm/base of thumb, forming what could be considered a "syringe" grip. The flashlight hand is then brought together with the firearm hand, with the two unused fingers of the light hand wrapping around the gripping fingers of the weapon hand, as to attain a normal, two-hand firing grip. The light is activated by exerting pressure to depress the tailcap pushbutton.
This hands-apart technique prevents the user from "marking" his position—through the use of intermittent light at random heights—and draws fire away from center-of-mass, as well as provides easy transitioning to and from the Neck-Index method. It works well with large and small flashlights and allows for ambidextrous shooting. Its disadvantages include difficultly in maintaining the flashlight beam on the threat and fatigue in extended use. Additionally, implementing this method with an injured hand or arm would be arduous, and the approach requires extensive practice to perfect.
The Modified FBI technique is accomplished by holding the flashlight in a "sword" or "ice pick" grip with the arm extended away from the body and the gun hand. To prevent the user from self-illumination, the flashlight is held slightly in front of the body.
Another hands-apart handgun option, the Neck-Index technique, works with large and small flashlights alike, as well as those possessing varying switch configurations. This method offers fast deployment, provides simultaneous illumination of sights and the threat and easily transitions to and from the Modified FBI technique. The flashlight always illuminates the direction the user's looking; it's in line for use as a striking tool (with larger versions) and the technique can be used with an injured limb. The problems, however, are that it can create excessive reflection off the rear of the handgun, and most importantly, it draws fire toward the shooter's head.
The Neck-Index technique is achieved by holding the flashlight in an "ice pick" grip against the jaw/neck juncture below the ear, so it moves with the user's head with minimal blocking of the peripheral vision. For larger flashlights, the body can be rested on the shoulder and indexed against the base of the neck. Depending on the type of flashlight, either the thumb (tail cap pushbutton) or another finger (side-mounted switch) operates the switch.
Things to Remember
• As a general rule, moving to the lowest level of light provides more concealment than operating in areas with higher levels of light.
• In a low-light environment you are most visible and vulnerable when backlit.
• Keeping the flashlight on continuously may make searching easier, as well as reassuring, but it also makes you a target while letting the aggressor know how far you are from his position, what direction your are coming from, and when you will be there.
• Activating the light away from centerline, at intermittent and irregular intervals, while alternating the light position from low to high, will confuse your opponent while making it harder for them to determine your position.
• In most cases—when searching for, or engaging a hostile subject—constant light should only be used in two situations: (1) when your are backlit and cannot move to a less backlit position, and (2) when your subject has been located and is not an immediate threat.
• When searching for or engaging a known-deadly force threat, your gun, flashlight and eyes should be aligned to the same point of focus.
Things to Remember - Excerpts from the "SureFire Institute Low-Light Tactics Level
One Operator/Trainer Course" manual.
When you reload in low light encounters, don’t put your flashlight in your back pocket. If you light yourself up, you will look like an angel or the tooth fairy…. and you are going to be one of them pretty soon.
I encourage you took seek out training and practice. Find a low light tactical course from a qualified instructor. Try wearing really dark sun/safety glasses next time that you are at the range. Mastery of these skills could be the difference between life and death and by taking your training and practice seriously, you will gain the winning edge. Stay safe!!
- Handgun Techniques reprinted with permission
Our brains are the most important assets that we have, some work better than others but we all have one. Like the Leatherman tool or the Swiss Army knife, our brains can be used as tools or weapons. The instinct for survival is a primitive trait that we all possess. When we couple the innate instinct for survival with the use of our brains, we have the basic building blocks for an effective self defense.
Through the extensive use of our brains, we have created an advanced modern society. The inventions that we have created for our own benefit are very complicated. We have all of these modern conveniences to improve our quality of life, and yet it seems that we have less time. We have created some very complex systems for something as simple as self defense. We have self defense industries, classes, products, color codes, theories, and laws. We have phrases such as situational awareness, use of force continuum, personal protection, and so on, that complicate a simple practice.
Situational awareness, personal awareness, contextual awareness, covert awareness, etc., all have the component of awareness in common. The concept of being aware is as old as the human race. Covert awareness is the knowledge of something without realizing it. We all have awareness to some degree, yet not everyone practices being aware. Just like we all have the instinct for self preservation or survival, yet we don't routinely practice that instinct in our modern society. The caveman was much more in touch with his instinct for survival due to the numerous threats that he faced on a daily basis. Those of you reading this article have a greater interest in self defense and awareness than most people with whom you come into contact in your daily lives. Lt. Col. Dave Grossman and others have used the terms "sheep" and "sheepdog" to aptly describe those people that are aware and ready as opposed to those people that walk around with their head in a fog. Sun Tzu's, "The Art of War", discusses awareness in the first chapter, and it was written in in the late-sixth century BC.
These concepts of survival and using your brain are not new. Regarding using your brain, it has been correctly stated that common sense is not common. We all have these vital skills and abilities; the more you practice using them the better off you will be should a violent situation arise in your presence. Keep it simple; sometimes less is more. Start practicing your awareness everyday, wherever you are.
You can practice with your family, friends, or even alone to help you improve your awareness. People watching at the mall can be a fun exercise. Start looking at your surroundings. Start listening to your "gut feeling" as it is often right. By increasing your awareness, you will have more options at your disposal if, and when you are confronted with a violent situation. Hone and refine your skills for your own safety and that of your loved ones. Being aware will often times cause the bad guys to look elsewhere when they are looking for that "easy mark". The criminals in our society usually try to pick an easy target. While you can't prevent crime, you can reduce your chances of becoming a victim by making yourself a "hard" target. You are going to be a harder target when you are more aware.
Use your senses while you practice increasing your level of awareness. Sight, smell, hearing, etc. Keep it simple and above all else, stay safe!