Concealed Carry Insurance

[dwpmusic]

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.

 

[Rustyt1953]

Here's a lively little thread with views from all angles.

http://smith-wessonforum.com/concea...e-insurance.html?highlight=shooting+insurance

 

[dwpmusic]

Thanks very much. Read each and every post. Very confusing, to say the least.

 

[KSDeputy]

Personally I think it is a waste of money.

 

[lrrifleman]

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.

 

[dwpmusic]

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.

 

[Lee in Quartzsite]

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.

 

[Vettecor]

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.

 

[dwpmusic]

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.

 

[Rivoak]

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. [emoji3]


Sent from my iPhone using Tapatalk

 

[dwpmusic]

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.

 

[phils]

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.

 

[vortex360]

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.

 

[HKB]

Personally I think it is a waste of money.

Exactly, I shouldn't need insurance to defend my life.

 

[phils]

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.

 

[dwpmusic]

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.

 

[poppoprr]

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.

 

[poppoprr]

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.

 

[jyork08854]

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.

 

[Protected One]

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!