CCW Insurance: Is it Needed?

[Muss Muggins]

I’d like to see some links to actual news stories . . .

At last count that I'm aware of there are over 17 and no cases have been lost. I would say that since ACLDN teaches its members about legally justified SD actions, more of its members learn to not do stupid stuff.

ACLDN also reviews every SD action before making a commitment to provide legal coverage. That keeps out the riffraff claims that are completely outside the bounds of a legally justified SD action. I agree with that as well.

That's like some auto insurance companies that don't cover those who drink, convicted felons, and any fleeing from police or using a car in the commission of a crime. Makes good sense and keeps premiums low.

 

[Onomea]

Hey, you beer advocates are falling behind! You used to be running neck and neck with the leaders!

 

[alwslate]

Just because someone is not charged criminally does not mean they won't be sued. Evidence in a civil suit only requires a 51% preponderance of the evidence to be found liable, not the criminal evidence of beyond a reasonable doubt.

Nowadays, in many jurisdictions, a person's life is valued at about $10 million. Let's say he's a scoundrel, thief, and felon.
Do you think you won't be sued just because the dead man was a criminal?

Let's say the family sues for 2 million that's completely undeserved, but a jury feels sorry for the family and just awards 1 million.

You got a spare million laying about? Not to mention a good lawyer will charge you $100,000 or more win or lose.Plus, if they can make a Federal case out of it for certain reasons, you'll have the government against you. Who's got more money -you or the Feds?



Because you haven't heard of it doesn't mean it's not real and doesn't happen.

The battle isn't over after a self-defense shooting - it's just beginning. Ask Kyle Rittenhouse about the costs.

What if, what if, what if? For those afflicted with the what if syndrome the worst possible outcome that they can imagine becomes the only and inevitable outcome. They are undeterred that the probability of their what ifs all lining up is about the same as winning the Powerball lottery. One in 300 million or so. It's called paranoia, or fatalistic thinking.

 

[sctman800]

I find it really hard to imagine being involved in a SD shooting but try to be prepared for anything. I joined US Law Shield, I like the fact that if bad things happen any time 24/7 a lawyer will answer my call. I will then have legal advice and lawyer client privilege which can be very important later.
I do my best to keep abreast on what can and does happen in SD shootings. Just because you are justified does not mean you won't be targeted by a SA that wants to make a name for themselves. Jim.

 

[Telecaster]

What if, what if, what if? For those afflicted with the what if syndrome the worst possible outcome that they can imagine becomes the only and inevitable outcome. They are undeterred that the probability of their what ifs all lining up is about the same as winning the Powerball lottery. One in 300 million or so. It's called paranoia, or fatalistic thinking.

I agree, but for a mere $150 the first year, that's some cheap peace of mind. How much does your car insurance cost?

From the stats I've read, something like 1/2 of 1% will be victims of violent crime, which is small but a lot more than lotto odds.

 

[Telecaster]

I find it really hard to imagine being involved in a SD shooting but try to be prepared for anything. I joined US Law Shield, I like the fact that if bad things happen any time 24/7 a lawyer will answer my call. I will then have legal advice and lawyer client privilege which can be very important later.
I do my best to keep abreast on what can and does happen in SD shootings. Just because you are justified does not mean you won't be targeted by a SA that wants to make a name for themselves. Jim.

True, and prosecutors can be complete expletives who would try to make you look like a psycho criminal on the stand. Who wants to deal with that without professional help?

 

[haywood]

What is the gun carrier’s phrase?, I’d rather have it and not need it than, need it and not have it. That’s how I feel about any insurance.

 

[crc4]

What if, what if, what if? For those afflicted with the what if syndrome the worst possible outcome that they can imagine becomes the only and inevitable outcome. They are undeterred that the probability of their what ifs all lining up is about the same as winning the Powerball lottery. One in 300 million or so. It's called paranoia, or fatalistic thinking.

Do you have homeowner's insurance? Why? Are you paranoid or fatalistic?

Do you carry a gun for protection? Why? Are you paranoid or fatalistic?

I'm not afflicted with any syndrome. I'm a realist.

Don't buy SD protection. Your actions or lack thereof makes no difference to me.

 

[Heinz]

So is there anyone out there on the forum who has actually used one of these self-defense policies? I see all sorts of hypothetical problems, but does anyone have actual experience with using a policy?

 

[crc4]

So is there anyone out there on the forum who has actually used one of these self-defense policies? I see all sorts of hypothetical problems, but does anyone have actual experience with using a policy?

Good question. I have not. Even if I had, I wouldn't talk about it on a gun forum. There are somethings that aren't for public dissemination about private business.

Contact the various SD protection offerings and ask them for actual cases.

 

[stansdds]

So is there anyone out there on the forum who has actually used one of these self-defense policies? I see all sorts of hypothetical problems, but does anyone have actual experience with using a policy?

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

 

[BabaBlueJay]

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.

 

[URIT]

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.

 

[crc4]

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.

 

[Echo40]

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.

 

[BabaBlueJay]

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.

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

 

[oldiegoldie]

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.

 

[Muss Muggins]

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:

 

[kreuzlover]

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!

 

[crc4]

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:

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.