Are guns that are not drop safe, a risk for appendix? Possibility of a car accident or an accident in general to cause the gun to discharge?
I think that's unlikely--at least in the case of firing pin inertia. Impact forces of two hard objects can be really large, and that's what's needed to set off a primer. Unless your crotch hit something hard at high velocity, I doubt it would fire.
On the other hand, lack of a FP block safety makes a cocked hammer one failure point away from a discharge.
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Any idea how many live and dry hammer drops that pistol had on one firing pin spring, or what the firing pin spring was (extra strength vs. not)? The XC is a heavy pig, so that paired with a worn/weak FPS and then dropped perfectly muzzle down on concrete would be a worse case scenario for a 1911/2011 firing when dropped.
As for AIWB and car accidents, that seems unlikely to me for the reasons CF stated. Significant inertia plus a hard surface plus muzzle straight down is the combo for a 1911 to fire without the hammer falling. As for the hammer, it has a half cock notch specifically to prevent discharge in the event the sear/hammer engagement fails.
I don’t think a 1911 specifically would be an additional risk during a car accident if carried AIWB. The forces impacting you and the gun would be perpendicular to the orientation of the firing pin and barrel. The reason a muzzle down drop can set off a primer is that the inertia of the firing pin is stronger than the firing pin spring and the pin continues forward and impacts the primer. That’s not the direction force would be acting on the gun in a car crash. It would be similar to a drop that causes the gun to land on its side which isn’t a mechanism that causes drop safety issues in a series 70 1911.
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Is there any reason not to simply use an extra power firing pin spring and titanium firing pin?
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