[vindibona1]

As it says, in the title, I think it’s time for me to finally have CCW insurance. All of the major offerings have nuances in the marketing promotes features of their offerings. The problem is, like most insurance brochures, and sales people the key in finding which is the best is understanding the things that they don’t tell you and the things that are missing from their insurance policies that other policies might offer.

USCCA had the most potent MARKETING, some of which is training related. But all of that is available independently. That feature would only be like a “free gift” available as part of the package that has better value for me than any other insurance.

another choice that seems to pop up, but doesn’t have the behemoth marketing push as USCCA is CCW safe. And I know there are other competitors in the field.

it seems that all of them offer to cover attorneys fees, which have some nuances within themselves, I. E. “If you’re not guilty“. Some of the differences between the different insurance companies is coverage or absence of legal fees in civil suits but where it gets sketchy is the protection of the civil suits judgments themselves.

So, which insurance do you carry, and why? What caused you to choose the particular insurance over the other offerings? In your opinion, you feel that there are better companies to go with than USCCA and CCW safe? Are you willing to share what you pay annually?

TIA

 

[aberrant]

I looked at both USCCA and CCW Safe, and ultimately went with CCW Safe. They have no "clawback" - that is, if you lose your case, they won't come after you for the money they shelled out for your defense.

At the end of the day, it was just about the feeling that CCW Safe was more likely to have my back in the event something happened. Neither of these programs are insurance, really, and the difference may be important. I would recommend just reading both companies' terms of service and decide which one fits you better. I also spent a bunch of time reading and watching reviews.

USCCA's training looked to be better than CCW Safe's, but I wasn't joining for the training.

I paid on the order of $500 or so - can't remember exactly, but I opted for a couple of upgrades.

EDIT: Also, just a personal opinion: USCCA's scare tactics on their website really rubbed me the wrong way. https://www.deltadefense.com/us-con...m/us-concealed-carry-association-insurance-education-training?tID=603e76e0aad75. It reminded me of Piazza's Front Sight advertising.

 

[pewNerds]

CCW Safe and USCCA are the most popular.

I remain with USCCA because despite often hearing that USCCA could demand you reimburse them for the costs if you lose your case, every time I've asked them that specifically, they say it isn't true. They're adamant that their policy has changed and it's now just a competitor's sales pitch.

If anyone can prove it in their terms or on their website, I'll switch from USCCA.

 

[selogic]

I have USCCA . These Concealed Carry Insurance threads usually deteriorate pretty quickly with a lot of misinformation being touted as fact . All I can say is do your homework and don't believe everything you read on gun forums .

 

[aberrant]

I just revisited the USCCA site and can't find their terms for criminal defense. I see the Delta Insurance terms which deal with "compensatory damages" but can't find anything about criminal defense.

Contrast with CCW Safe, which has discussion of both criminal and civil benefits here: Terms & Conditions - CCW Safe

Not saying that USCCA doesn't pay for criminal defense; just that I wasn't easily able to find their explicit terms and conditions (with their exclusions).

 

[Redglock]

US law shield is really good, I've used them unfortunately and was glad I had it.

 

[vindibona1]

I looked at both USCCA and CCW Safe, and ultimately went with CCW Safe. They have no "clawback" - that is, if you lose your case, they won't come after you for the money they shelled out for your defense.

At the end of the day, it was just about the feeling that CCW Safe was more likely to have my back in the event something happened. Neither of these programs are insurance, really, and the difference may be important. I would recommend just reading both companies' terms of service and decide which one fits you better. I also spent a bunch of time reading and watching reviews.

USCCA's training looked to be better than CCW Safe's, but I wasn't joining for the training.

I paid on the order of $500 or so - can't remember exactly, but I opted for a couple of upgrades.

It seems to me that you got the civil liability insurance that I believe is a $220 extra premium. Yes/no? What else did you upgrade?

 

[Ronin2911]

CCW Safe. Been a member for 15 years.

 

[Rotn1]

I was reading an article that implied “some” of the policies give rights to the insurance carrier to reclaim their case expenses if their client is ultimately found to have broken any law.

I thought this was rather circular.

 

[LaneP]

US law shield is really good, I've used them unfortunately and was glad I had it.

That's good to hear. I signed up with them last month.

 

[aberrant]

It seems to me that you got the civil liability insurance that I believe is a $220 extra premium. Yes/no? What else did you upgrade?

Defender plan, plus addons: Bond Coverage up to 1.5 Million, Civil Liability up to 1 Million. $479/yr.

 

[Redglock]

That's good to hear. I signed up with them last month.

Hopefully you never need them but they were there for me.

 

[aberrant]

US law shield is really good, I've used them unfortunately and was glad I had it.

Sorry if this is out of line, but would you mind sharing your story? They are few and far between and real anecdotes really help highlight the advantages of particular providers.

 

[SGT67]

Check this out first

 

[FireMedic-50]

OP
Ask your specific questions directly to the source.

Why [potentially] bet your ass on comments from an in internet forum?

'IF' you have 'specific' concerns/questions ask the source.
800-674-9779

 

[CDW4ME]

Does it cover you if ya had a beer, asking for a friend.

 

[Redglock]

Sorry if this is out of line, but would you mind sharing your story? They are few and far between and real anecdotes really help highlight the advantages of particular providers.

Was robbed at gunpoint and threatened to be shot in the head, the robber left and came back yelling and running towards me so I shot him until he stopped; sadly he did not survive.

I hope this helps you in some way, so some good can come out of the bad situation it was.

 

[aberrant]

Was robbed at gunpoint and threatened to be shot in the head, the robber left and came back yelling and running towards me so I shot him until he stopped; sadly he did not survive.

I hope this helps you in some way, so some good can come out of the bad situation it was.

Really appreciate your candor. Can you go into more detail about how your policy worked and what the process / bureaucracy was?

 

[Redglock]

Really appreciate your candor. Can you go into more detail about how your policy worked and what the process / bureaucracy was?

Called the number, got a call back within 5 minutes maybe with the attorney. He came to the station about about an hour later, dealt with him for a few days then the big wig attorney took over and I only dealt with him. They have a local attorney in your area then they have attorneys that are harder hitting over a bigger region or at least that's the impression I had of them...
Nothing but good, however I was in shock from the whole ordeal for several weeks and months..

 

[aberrant]

Called the number, got a call back within 5 minutes maybe with the attorney. He came to the station about about an hour later, dealt with him for a few days then the big wig attorney took over and I only dealt with him. They have a local attorney in your area then they have attorneys that are harder hitting over a bigger region or at least that's the impression I had of them...
Nothing but good, however I was in shock from the whole ordeal for several weeks and months..

Again, thanks for your story. Sorry you had to go through that.