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I'm licensed to carry a concealed weapon for the purpose of self-defense, and if necessary, the defense of others. It doesn't make me a "junior deputy" or anything like that, and it doesn't give me the same rights/responsibilities as law enforcement personnel.
As such, if it's my assessment that the thieves are just interested in doing the smash/grab/run thing, then no, I'm not going to intervene. I do agree with you that whether or not the loss will be insured doesn't really enter into it.
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