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  #1  
Old 03-11-2017, 03:05 PM
dwpmusic dwpmusic is offline
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Would like some input on what you guys and gals also think of having concealed carry insurance? If you have it, which one and why did you decide on that particular one? I'm thinking about USCCA. There's probably a thread somewhere on the forum but I can't seem to find it. Thanks for anyone's input.
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Old 03-11-2017, 04:02 PM
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Here's a lively little thread with views from all angles.

Question about CCW Safe self defense "insurance"
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Old 03-11-2017, 05:01 PM
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Thanks very much. Read each and every post. Very confusing, to say the least.
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Old 03-11-2017, 05:15 PM
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Personally I think it is a waste of money.
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Old 03-11-2017, 06:29 PM
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dwpmusic,

I have jumped on 2 or 3 threads concerning carry insurance. Unlike KSDeputy, I think that it is an invaluable purchase, but I have yet to purchase my own.

My rationale is:
1. I am permanently disabled, and on fixed income, and I am raising two younger children. I can't afford to hire a criminal defense attorney on short notice, nor post an exorbitant amount of bail.
2. I have elected to carry, because I have a responsibility to my children to make it home each night. Being disabled, I feel as though I have a neon sign over me identifying me as a potential victim.

Perhaps I am either over thinking this or over reacting, but if I didn't have carry insurance as my safety net, I most likely wouldn't consider carrying. Since I can carry only when I am traveling out of state so I can exercise my non-resident permit, I have taken my time in purchasing. At the moment, I am inclined to purchase my insurance from either USCCA or Second Call Defense. The two points that I am focused on are assistance without subjecting my actions to preemptive review, and most importantly, extending post shooting counseling to my children in the event that my children may be present and witness the need to resort to armed defense.
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Old 03-11-2017, 08:03 PM
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Thanks for your response. I haven't delved into all the available plans on the market. Proves to be rather time consuming, at best. I'm sure I will make up my mind, given time. Your two concerns are very important. Thanks again for responding.
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Old 03-12-2017, 09:46 PM
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Originally Posted by KSDeputy View Post
Personally I think it is a waste of money.
I thought the same thing when I bought a very large, pricey fire extinguisher for my garage. Haven't even used it yet, it just hangs on the wall.

I've also had CCW Safe for the past three years...haven't used it yet either, just carry around their card in my wallet day after day.
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Old 03-13-2017, 09:59 PM
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My wife and I have USCCA Insurance. I joined for $30.00 per month and at the same time got my wife her own plan for $15.00 per month because they were offering 50% off if both joined at the same time.

They offer 3 plans and we took the best one they offered. I think its called their Platinum Plan.

Its more for piece of mind than anything. Just hope we never need it.
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Old 03-14-2017, 10:28 AM
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I was leaning toward USCCA although they appear to be the most expensive. However, after reading some of the posts in this thread I just don't know. From my research it appears that they all have + and -. As much as I love guns, sometimes I wish it wasn't even necessary to even have to worry about carrying one everyday. And it also seems that if you ever are involved in a shooting, your life will change forever even if you are found completely justified. The cards are so stacked in favor of the bad guy. Such is life in this day and time. Thanks for you input.
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Old 03-14-2017, 01:40 PM
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Since we now have a gun friendly government, maybe we could come up with some medigun insurance like we have for Medicare and use some of our spending cut money to pay for it. Concealed Carry Insurance


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Old 03-14-2017, 04:42 PM
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Great idea. It's really not the money, insurance wise, that worries me. What causes me the greatest stress is the BS you'll still have to go through even is it's a good shoot. Lord knows I don't ever want to be involved in one but I don't want me or my wife to be a victim of one of the nutcases that are roaming our streets today. Concealed carry is a very serious thing but I just feel safer than if I didn't do it. I'm still on the fence about what insurance to get.
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Old 03-14-2017, 06:23 PM
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dwpmusic, I researched some carriers and finally selected US Law Shield.
A local gun shop may have a rep. or know of one, but they have a good website and offer a lot.
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Old 03-14-2017, 08:35 PM
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Quote:
Originally Posted by Lee in Quartzsite View Post
I thought the same thing when I bought a very large, pricey fire extinguisher for my garage. Haven't even used it yet, it just hangs on the wall.

I've also had CCW Safe for the past three years...haven't used it yet either, just carry around their card in my wallet day after day.
You are comparing apples to oranges. CCW "insurance" is laughable at best.
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Old 03-14-2017, 08:39 PM
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Personally I think it is a waste of money.
Exactly, I shouldn't need insurance to defend my life.
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Old 03-15-2017, 10:42 AM
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Exactly, I shouldn't need insurance to defend my life.
I think you and ksdeputy are wrong. Even if you are cleared of charges there might be civil suits against you that will take all your assets.
Even though I have a ccw I was afraid to carry until I got insurance.
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Old 03-17-2017, 11:00 AM
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Still, which is the best insurance to purchase? So many variables. It's beginning to appear that NONE of them is the best. With having to defend yourself against criminal and civil charges, most likely, even if you prevail in both areas, they still have to be defended. So which company is going to stand by you through it all? Most people who carry on a daily basis have not had the terrible experience, thank God, of finding out. I'm beginning to think that it would be just as good to put all their names in a hat and draw a name or just don't carry at all and be vulnerable against the many thugs that infest our world today. I think I have a bad attitude.

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Old 03-17-2017, 11:18 AM
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I belong to Armed Citizens Defense Network(360-978-5200). Much cheaper with the same benefits as the one USCCA. I think it is less than 90.00 per year. They have close to 1,000,000. in their pool of money and say they will spend up to half that amount to defend you in a self defense situation. Plus they send very good training videos over time. Check them out. Call the number and they will be glad to talk with you, with a real human. Second Call Defense is another but higher in price.
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Old 03-17-2017, 11:21 AM
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I belong to Armed Citizens Defense Network. Google them and check them out. They do the same as USCCA at less than 90.00 per yr for membership. Call them and talk to the receptionist.
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Old 03-17-2017, 12:19 PM
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Bought my first gun almost a year ago. I've been carrying less than 6 months. Have the mid-level USCCA but their nearest attorney in the system is almost 1 1/2 hours from where I live. I feel better having some coverage but would like more local representation. I'm very interested in anyone's experience with any of the companies.
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Old 03-17-2017, 12:32 PM
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Bought my first gun almost a year ago. I've been carrying less than 6 months. Have the mid-level USCCA but their nearest attorney in the system is almost 1 1/2 hours from where I live. I feel better having some coverage but would like more local representation. I'm very interested in anyone's experience with any of the companies.
It's my understanding that you aren't limited to attorneys listed on their list. If you find a local attorney that you feel confident can represent you in an actual incident, I believe they will still pay that person, based upon the limits of the plan you chose. You may want to confirm this with USCCA, just for your peace of mind.

TIP: Talk to your local police and ask for the name of a good attorney with experience in handling handgun self-defense cases. They would know. Good luck!
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Old 03-17-2017, 12:35 PM
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Thanks Protected One!
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Old 03-18-2017, 01:09 PM
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Just an aside. I made the move on insurance this week. I had narrowed my choices to: Second Call Defense, USCCA, and CCW Safe (IIRC). I went with USCCA because they actually had a provision to pay damages if the policy holder was found liable. The USCCA was less costly than Second Call Defense, and CCW Safe only covered bond and lawyers, but didn't cover civil damages. For me on fixed income and kids, the provision covering a damage award is vital, considering how the courts are being unpredictable with many of their recent rulings.
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Old 03-18-2017, 02:12 PM
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Haven't looked at Second Call Defense or CCW Safe. I thought that USCCA would have been the most expensive but I see they're not. Going to make the move shortly myself to one of them.
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Old 03-18-2017, 11:03 PM
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Still waiting for somebody who has made a claim to report . . .
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Old 03-19-2017, 10:13 AM
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Agreed. That would be the real test. I just hate to see someone who actually had to depend on it seeing that the cards are stacked in favor of the bad guy. Got one going here where I live right now. Guy was steeling his vehicle. He went to stop him. Perp tried to wrestle his weapon away from him. He nailed him dead. Thought our Castle law would cover him. Now they've charged him with 2nd degree murder criminally and he's also facing a civil suit from the family. This is wrong, wrong, wrong.
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Old 03-19-2017, 10:47 AM
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The gun is my life insurance. And the choices I make when carrying it is my CCW insurance.

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Old 03-20-2017, 03:32 PM
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Still waiting for somebody who has made a claim to report . . .
I get a few ad's from them and they do show several that have cases using them that were released .. but only 2-3 cases I've seen ..

But don't tell the cases they have lost ..
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Old 03-20-2017, 04:38 PM
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I get a few ad's from them and they do show several that have cases using them that were released .. but only 2-3 cases I've seen ..

But don't tell the cases they have lost ..
Every so often I look at some of the testimonials and examples presented by some of these outfits. The ones I've read didn't receive any more assistance than I would have gotten from my very competent attorney, likely for free given that there always only seems to be a phone call or two involved . . .
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Old 03-20-2017, 05:00 PM
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My local LGS has been having presentations from US Law Shield. I've got one on my calendar for next week.
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Old 03-21-2017, 10:31 AM
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I belong to Armed Citizens Defense Network(360-978-5200). Much cheaper with the same benefits as the one USCCA. I think it is less than 90.00 per year. They have close to 1,000,000. in their pool of money and say they will spend up to half that amount to defend you in a self defense situation. Plus they send very good training videos over time. Check them out. Call the number and they will be glad to talk with you, with a real human. Second Call Defense is another but higher in price.
I also belong to the Armed Citizens Legal Defense Network. However all the cops and prosecutors I teach with belong to USCCA.

I went with them because Mas Ayoob and John Farnam are on their board of directors. Also another board member is an attorney in the next town south of where I live and he said he would represent me should the need arise.
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Old 03-21-2017, 11:15 AM
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I'm leaning more toward USCCA. Got some more local checking to do first.
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Old 03-21-2017, 10:26 PM
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Quote:
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Just an aside. I made the move on insurance this week. I had narrowed my choices to: Second Call Defense, USCCA, and CCW Safe (IIRC). I went with USCCA because they actually had a provision to pay damages if the policy holder was found liable. The USCCA was less costly than Second Call Defense, and CCW Safe only covered bond and lawyers, but didn't cover civil damages. For me on fixed income and kids, the provision covering a damage award is vital, considering how the courts are being unpredictable with many of their recent rulings.
The reasons you listed is why I also went with USCCA. You have to compare the benefits from each insurance company and then decide which plan is best for you and your family.

I looked at a few companies but when comparing all the benefits offered USCCA looked much better than other plans.
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Old 03-23-2017, 02:48 PM
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Remember the adage "Better to have it and not need it than to need it and not have it." I looked at FOP and NRA insurances. Both organizations are reputable and provide good service. I choose the FOP plan; it was just a little bit better in my opinion.
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Old 03-23-2017, 11:00 PM
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Yeah! Why buy insurance? When you can get free lifetime room & board, free medical, dentistry and entertainment. sarcasm/off!
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Old 03-25-2017, 09:23 AM
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I think you and ksdeputy are wrong. Even if you are cleared of charges there might be civil suits against you that will take all your assets.
Even though I have a ccw I was afraid to carry until I got insurance.
And that is certainly your right. I can see this actually blowing up in your face if you did get sued in Civil Court. One, you have insurance that can pay for the death and compensate the family, you now are the target. Two, the prosecutor asks why you needed insurance? Did you intend to commit a wrongful death?

The best insurance is knowing the law and knowing when you have the right to provide protection with deadly force.
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Old 03-25-2017, 12:54 PM
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In Kansas and Missouri where I have two residences and both states have a non CCL to legally carry, I do have KS CCL and USCCA at the Platinum level. I hope never to use any of my weapons but if I do, even in the defense of my house: I will be taken to the police station, they will confiscate my weapon and I will have to go to court especially if I kill the intruder. If I use my weapons on the streets for defense of myself or another citizen, I will incure all of the above plus potentially having to post bail and miss work due to the incident and court time. $30 per month is a cost I can afford and a relief of mind if I ever have to use my weapons.
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Old 03-25-2017, 04:33 PM
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I would think having ANY legal insurance would be better than having to foot the bill yourself. I am seeking a plan for myself and the bride as I figure to have and not need is better than to need and not have. Yes,.... if your right your right but times have changed as has the system. It all depends on where you live, who you had to defend yourself against, and which way the political wind blows. Sad but true.
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Old 03-28-2017, 03:15 PM
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Read the fine print very carefully. I don't think any of them are actually insurance. They are more like a sort of prepaid legal defense (hopefully).

The fact that it is so hard to find an example of when one was used shows a few things. Gun fights involving the law abiding are much more rare than home fires, auto accidents, etc., or these companies would like you to think.

Until you can see the real track record of how they have handled an actual case (several preferably) you are spending a lot of money hoping they will be there when and as you want them to be if the time ever comes.

Myself, I would prefer to open a savings account to deposit the same amount of money as a reserve. If a stranger is willing to bet on me, so am I.
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Old 03-28-2017, 05:52 PM
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I have CCW Safe. Hope I never need it.


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Old 04-01-2017, 10:57 PM
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Originally Posted by mcoe74 View Post
My local LGS has been having presentations from US Law Shield. I've got one on my calendar for next week.
US Law Shield doesn't cover all states .. only 16 states are coverage and doesn't include Illinois which I live in .. So if you travel to a state not covered would you still be covered if you have their insurance ??

A friend who lives in the state of Washington looked into coverage .. because he is a Medical Marijuana Patient and has been prescribed marijuana for Alzheimer's by a doctor ..they told him if he made a claim and that subject came up they would not cover him in that instance ..

So after a shooting do police have the shooter drugged tested ??
is that the usual procedure ?? any LEO"s out there .. I'm not an officer so I don't have any clue if they do ..

But guessing anyone taking illegal drugs .. anything not prescribed .. they wouldn't cover a claim made by that person .. so am guessing that applies to/in states where marijuana is legalized by the state ..
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Old 04-02-2017, 11:52 AM
walkin' trails walkin' trails is offline
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I'm going to join the side who supports carrying insurance for such unforeseen circumstances. I've been carrying professional liability insurance for 20 years but have never needed to use it. That said, I know there can be some sticky situations where politics attempt to override legal precedence and it could come in handy. An example of this is on the civilian side is the George Zimmerman case. I don't know how much his defense cost him, but I doubt it was something he had budgeted. I know I don't $50-100K set aside. A couple of other cases (not self defense) come to mind from the left coast where a couple of innocent men got charged with stuff they didn't do, likely for political reasons, and probably a bit of "guilt by appearance" factored in. They were ultimately were acquitted, but at great expense. Good attorneys and credible expert witnesses who are able to deflate windbags and debunk myths do not come cheap.

In the next couple of years, I'm going to retire and will need to consider some form of insurance. I do not plan on further treading in harm's way, but neither do the vast majority of people who get backed into a corner and have to defend themselves. Having some entity or network that knows the ropes, knows who to call on your behalf, and can cover some if not all of unbudgeted expenses is worth a consideration.


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Last edited by walkin' trails; 04-02-2017 at 12:03 PM.
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