TexasCHLforum.com

I think the idea that the cops and DA are going to pat you on the back in the aftermath is a dangerous fantasy. Trust me when I tell you that getting a few replacement documents will involve a lot LESS "hassle".

Protect yourself, your family, and even your property - absolutely. But only if there is no other way out of the situation.

seamusTX wrote:

frankie_the_yankee wrote:Won't homeowner's insurance pay off if you had cash stolen from your house as in a burglary?

Every policy I have had excluded cash. It's too easy, if your house is broken into, to say, "Oh, BTW, I had $1,000 in cash in my sock drawer."

- Jim

I guess you read yours more closely than I do!

seamusTX wrote:

frankie_the_yankee wrote:They carry insurance for this stuff too, so they don't really care.

Not that it matters, but I never heard of insurance that covers the loss of cash money.

You might be right. I just assumed that you could insure most anything. I mean, why not?

Won't homeowner's insurance pay off if you had cash stolen from your house as in a burglary? I know I would expect them to if it happened to me. Note: I am talking small/reasonable quantities here. I know full well that if you have unusually large amounts of anything, whether it be jewelry, guns, or whatever, you need to get a special "endorsement" or some such to be covered.

While I mostly agree with your general point, I couldn't help but be struck by the example you cite quoted below.

Hamourkiller wrote: Go aggressively demand money from a bank and see how they react! Silly thinking. The act of demanding something so valuable is a threat in and of itself.

I think in most such cases, a bank will simply cough up the money and call the cops as soon as you leave, or earlier if they can trigger a silent alarm.

Very few banks employ armed guards these days. It's been a long time since I've heard of a bank employee or guard pulling a gun on a robber.

They carry insurance for this stuff too, so they don't really care.

But like I said, your main point (that the demand embodies a serious threat) is more or less valid, IMO.

Afff_667 wrote:It seems to me that the decision about what is worth dying for in a strong arm robbery/mugging has already been made when it occurs....the BG has made a conscious decision to risk his life for a wallet or purse. Whether injured, killed, or sent to prison, the BG has made that decision, and I will use the appropriate level of force required to deal with his/her decision.

I think I can clarify this a bit.

It's true that the BG has actually made two decisions, one to risk his/her own life and the other being to put yours at risk.

You also have two decisions to make. One is, do the actions you might take in resisting the BG increase or decrease the risk to your life and limb? The other is, is protecting your stuff worth risking the BG's life and limb for?

Due to situational variables, there are no simple answers to these questions. (I know that statistically resistance produces better outcomes, but each situation is still different.)

Of course, in a real situation there is no time to ponder these matters. It is more a matter of simply reacting to events as they happen. This is also why people teach that situational awareness is so important in getting ahead of the curve.

CHLSteve wrote:OK, so hypothetical scenario:

BG walks up to you, evening or nighttime, as you pass by, and says, "Give me your wallet!" He doesn't appear to be armed at first glance, just mean.

What to do? Draw? Shoot? Run?

How about just saying, "No!"? Then keep on walking and/or back up as appropriate.

At that point, you see if it looks like he is going to escalate and go on from there.

Paladin wrote:In most circumstances, the cash and credit cards in your wallet are not worth dieing for...

But I would disagree about your drivers license/ID. ID has your name and address on it. With that info they can "drop-by" at their convenience. Maybe you have more they want... other times they threaten you so you don't go to the police.

If you plan on giving them money... a money clip will help you avoid giving the BG's your ID. You give them the money clip instead of your wallet

Many times people have been shot for not having enough money on them when they were robbed.

Since I'm not sure that they don't plan on killing me after I give them what they want... I would play along and use any opening I had to get in the fight.