Excellent question and I'd like to hear some experiences too.

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VCDL, GOA, NRA

I have CCW Safe, is it worth it? Could not tell you, as thankfully I have never needed their services. I read the terms very carefully and compared them to others, and they seemed to offer the best legal coverage. Others like USCCA offer training, however, I find enough useful content on YouTube and from other resources, so legal coverage is all I care about.

I will say this, even the best of these legal defense funds, like CCW Safe do have some situations or circumstances that they will not cover you for and you must be aware of these. At first these exemptions were a red-flag for me. I considered the most likely scenarios where I could need it, and I was able to live with these exceptions. Just be aware that all of these organizations are filled with lawyers who are clever with their words. Read the terms of service very carefully to ensure you know what they cover and more importantly what they do not.

For whatever it is worth, I do find the 220$ a year for the basic package satisfactory for my needs as my wife does not carry and I am more worried about criminal liability than civil. If you are worried about Civil Liability I suggest the top level plan which is around 500$ if you choose to go that route. When I get promoted next year and my salary doubles, I will likely go with that option, for now I am fine with what I have.

The way I look at it is this, would I pay 60 cents a day to have a team of lawyers cover a potential case that could cost me up to a million dollars to win? Even if the odds are small, they are not zero, so I just feel better with it than not. Your opinion may differ and think I am blowing 220$ which is perfectly fine. Just do what you think is best, make sure whatever you do is legal in your state (CCW Safe does not work in California/New York) and read the terms.

USCCA vs CCW Safe: Which is the Best CCW Insurance? [2023]

Here is a great article on it if you are interested.

Insurance ruins everything. Just think back to when a certain insurance started; then, the politicians and profiteers joined the party, and we got stuck with the bill.

This is an insurance that will ruin conceal carry and gun ownership in the future.

So, you don't have homeowner's insurance, car insurance, or health insurance? No gun insurance in case of loss or theft?

It won't ruin concealed carry and gun ownership. It will help protect those who have it and may need it.

Like any other personal decision, it's something that is highly subjective, depending greatly upon just how likely one believes themselves to need such a service.

Obviously, if you live/work in a more dangerous neighborhood, have enemies, regularly associate with sketchy individuals who are not trustworthy, or any number of other factors which may place you at higher risk of needing to defend yourself, then it may be prudent to invest in insurance, or at least make arrangements with an experienced defense attorney so that they're all lined up to defend you in the event in which you should find yourself in the aftermath of a self-defense shooting.

It's also important to consider your finances and whether or not you can easily afford such insurance. If so, then why not? If it isn't going to prevent you from paying your bills or putting food on the table, then it seems like a sensible thing to have, same as any other insurance plan.

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Shooting Comfort is bilateral.

This is the best advice thus far. Only OP can determine what is best for their needs, but if you can afford it, why not? Great points and well said @Forte

i voted "no, i don't think CCW insurance is worth the cost". then, after reading all the responses i decided to look into ACLDN. for $150 per year i decided to join. it will give me a year to really evaluate and see if i want to continue with their policy. $150 isn't much to spend on any kind of insurance policy.

Not sure how anyone thinks this is true carry insurance, but I’d definitely bill $150 a year to make a few phone calls . . .

This is directly from ACLDN’s faq’s:

Attached Images

IMG_3763.jpg (27.8 KB, 50 views)

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Wisdom comes thru fear . . .

In 2004, I was involved in a shooting in a bar parking lot*
The man, who was 20 years younger than me, was a tough
man contest participant* He attacked me in the lot, and I
had already told him that if he hit me, I was gonna shoot him!
He did hit me, and I did shoot him! I was arrested, of course, and
spent the night in jail* After I got out of jail, I contacted a local
criminal attorney, and he agreed to represent me* Now, in Texas law,
a parking lot is NOT part of the premises! If I had shot him INSIDE the
bar, I would have been in a world of ****! Long story short, my lawyer
got me off of the assault with a deadly weapon charge* I did have to
attend "alcohol counseling", a fancy way of them getting into my pockets
someway! My advice is: KNOW YOUR LOCAL & STATE LAWS! There has
been a LOT of misinformation in the above postings! I did have to attend
said "alcohol counseling" classes for 9 months, but there were no criminal
charges remaining, because this was a GOOD SHOOT! I ended up paying
my criminal lawyer 1100 dollars, TOTAL! The "alcohol counseling" class
was around 300 dollars, nowhere near some of the amounts quoted in
the above postings! NO, I didn't kill the sorry *******, but he had some
serious medical problems for awhile! Remember, when you defend your
self with a firearm, you always run the chance of killing your assailant, just the way it can be! But if you are gonna carry, carry all the time! And by the way, a bar parking lot, in Texas, is NOT THE PREMISES! So, didn't
get that charge thrown at me! Good luck to all out there, but it's YOUR
life, protect it!

For the second time, it is not a law firm, nor is it insurance as they plainly state. It is a membership organization.

You seem to not understand the concept of what they do but that lack of research is your fault as the website clearly spells out what they do.

In deciding whether to buy any insurance coverage, you should review your existing insurance.

If you have homeowners coverage, it may be covered under the liability coverage. You may be buying something you already have.

The situations I’ve reviewed it’s often surpusage.

Or maybe first reconsider lifestyle choices...

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Common sense isn't so common.

Duly noted.

But for I think the third time, you’re getting bupkus for your $150.
Everything they provide is available to your privately hired attorney. Hopefully your lack of research doesn’t lead to a “Wait, what?” moment after your post shooting phone call. You still have to hire your own lawyer. At your own cost . . .

Edit: Scrolled back. Acknowledge and quote the first post where you stated this agency was not actually CCW insurance. I didn’t see it . . .

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Wisdom comes thru fear . . .

Let us know what homeowner's insurance company includes self-defense shooting coverage for both criminal and civil cases at home and elsewhere.

I'm sure that would be of interest to others.

OK, per the contents of #65, ACLDN isn't a law firm. No biggy. See the sentence where they bring MEMBER ATTORNEY'S into play. IIRC, if you've got a local favorite of your own, they'll chip in on his fees as well. The potential sticky issue is that if you aren't in the right (or reasonable at least), they aren't gonna help.

That's how it should be. If your not legally justified in your SD action, why should they?

For those who say ACLDN doesn't pay for legal expenses, this is from their website under Member Benefits. It's plain that they do.

"Providing Legal Support When It Is Most Needed

Members who have been involved in a self-defense incident during their term of membership receive the following:

• A fee deposit paid to the member's attorney after the member has been involved in a self-defense incident. This is a membership benefit; the member is not asked to repay it. The fee deposit gets the legal defense immediately underway, with representation during questioning, and arranging for an independent investigation of the incident. If requested by the member or their representative, a Network official will respond to the location to assist the member in obtaining those services.
• Benefit applicable to any justifiable use of force, whether firearms related or by other legal means of defense.
• The Network will work with the member to arrange for bail, after the member has used force in legitimate self defense. See this article for a full explanation. In addition, the member and his or her attorney must provide facts of the case to show that their use of force was a legitimate case of self defense. The member’s attorney is responsible for providing those details to the Network prior to disbursement of monies to a bail agent.
• Network members also have access to additional funding from the Network's Legal Defense Fund for legal expenses of defending against unmeritorious prosecution or civil law suit after a self-defense incident occuring during their period of membership."

There's more information below the above selection that should be read and understood.

Isn’t that ultimately a question for the jury?

I read all of that information. That’s a couple billable hours for questioning, and it mentions nothing about paying for the independent investigation. You’re on the hook for the rest . . .


You’re gonna sit a while, and you’re not gonna get reimbursed if you bond yourself out . . .

If it gives you peace of mind, go ahead, but don’t expect much. And nosy can provide links to testimonials, because they’re just not out there . . .

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Wisdom comes thru fear . . .

Nope. You're wrong again, but I can't fix intransigence. People can read for themselves and see what is actually written.

Duly noted. I wish you well . . .

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Wisdom comes thru fear . . .

Been away from this thread for a while. The posters who note that none of the CCW "insurance" providers seems to have testimonials, or published cases where their coverage came into play, has given me pause.

I sent an email using their contact form to Right to Bear asking about this.

Crickets.

I like the idea of the coverage but I would like to be able to confirm that someone has actually received it.