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.

 

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.

 

I would get USCCA to put what they told you in writing. If they refuse walk away.

 

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 .

 

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).

 

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.

 

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?

 

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

 

CCW Safe. Been a member for 15 years.

 

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.

 

Check this out first

 

Check this out first

I've seen the video before, and it looks like he found a new sponsor.

It is not legal for insurance to pay for an intentional unlawful act. No company will pay any compensatory or punitive damages in a civil suit if you have been found guilty in a criminal trial.

As I understand, most of these companies do not offer insurance, they offer pre-paid legal services. CCW Safe and USCCA also offer civil liability insurance as an option/part of the plan; I don't recall any of the others covering civil liability.

You can receive services from prepaid legal services for "unlawful" acts - this is where civil defense and appeals comes in.

I would not trust this youtube guy as far as I could throw him - an that's not very far - he's a pretty big guy, and I'm not as spry as I used to be.

 

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

 

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

 

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.

 

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

 

One thing I like about USCCA which I've been with for yrs is my wife is covered for the yr for $47.00. And the use of any weapon is covered.

 

CCW Safe

 

While I actually use USCCA I’m very tempted to add these folks on for ~$125/yr. I’ve heard testimonials and advertising that makes me think these folks have some to offer.
<ACLDN>

Ed

 

FYI:

The CCW Insurance Mega-Thread

Scarcely a week goes by where someone isn't asking a question about CCW insurance. So here, collected in one spot, are links to a bunch of these threads--and I only grabbed some of them. I bet your question is answered in one. Feel free to bump things that go to the root of your question, but...

www.glocktalk.com

 

Anyone looked at Right To Bear insurance?

Concealed Carry Insurance You Can Trust + PURE Peace of Mind

Experience the best CCW insurance with Right To Bear—affordable, attorney-backed, and built for real-world self defense. Only $17/month for PURE Peace of Mind.

protectwithbear.com

 

We have ccw safe. why this one over others? Well, the spousal unit did the research, talked to a few different companies that offer similar coverage. She felt ccw safe offered more for the price point. IIRC we're carrying the top tier package, since we travel, or use to a lot. No matter which one you choose, do your homework, to see what they offer fits your needs.

 

Best advice is to research the heck out of each plan being considered. Also try to find someone who had to depend on one of them and see what they have to say. Actual experience is the only opinion that matters. I have both CCW Safe and USCCA. If the shtf for me, I know that both will work together.

 

BEST CCW INSURANCE:
Best Concealed Carry Insurance Companies

#1 BEST LEGAL TEAMCCW SAFE		Editor’s Choice Most Legal Coverage Excellent Resources	SEE DETAILS
#2 BEST COVERAGEUSCCA		Unlimited Coverage Higher Cost Training Focused	LEARN MORE
#3 – BEST VALUERIGHT TO BEAR INSURANCE		Low Cost Limited Coverage Can’t Pick Own Attorney	SEE DETAILS
#4SECOND CALL DEFENSE		Inexpensive Lowest Defense Coverage Second Highest Daily Rate	SEE DETAILS
#5FIREARMS LEGAL PROTECTION		Unlimited Legal Defense Coverage Industry-leading extras No choice of attorney No civil damages protection	SEE DETAILS
#6ARMED CITIZENS DEFENSE LEAGUE NETWORK		Unlimited Coverage (Up to Network Amount) Low Cost No Daily Rate	SEE DETAILS
#7US LAW SHIELD		Low Cost Unlimited Coverage Can’t Pick Own Attorney	SEE DETAILS

However

 

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

Because insurance companies... ANY insurance company... will not tell you the complete picture, particularly where the holes are in their coverage. They also won't tell you how difficult it is to make a claim. The fine print is in terms that is open to interpretation...THEIR interpretation. Insurance adjusters are paid NOT to pay claims. Just ask my daughter who had major rain damage to her house and has been fighting with Jake of State Farm FOR TWO YEARS to get all the damage repair approved... and the agent who was supposed to help her and fight for her is too busy on his boat to do squat.

USCCA has a reputation for the claw backs and other issues. Now, according to some they claim not to do that any more. I sat thru a USCCA presesentation and the dude said that. But where is it in writing where they changed their policy? The presenter said there isn't anything in writing saying such. You have to take their "word" for it.

Additionally, there are nuances of coverage for LEGAL coverage for civil liability and actual JUDGEMENTS for civil liability. There wording of the marketing is obscure at best, and IMO intentionally done. This is serious stuff.

And THAT is why I queried the forum members. The insurance companies will tell you what you want to hear, but won't tell you what they don't want you to hear... unless you ask the questions. That's why the thread. Entiendas?

 

Because insurance companies... ANY insurance company... will not tell you the complete picture, particularly where the holes are in their coverage. They also won't tell you how difficult it is to make a claim. The fine print is in terms that is open to interpretation...THEIR interpretation. Insurance adjusters are paid NOT to pay claims. Just ask my daughter who had major rain damage to her house and has been fighting with Jake of State Farm FOR TWO YEARS to get all the damage repair approved... and the agent who was supposed to help her and fight for her is too busy on his boat to do squat.

USCCA has a reputation for the claw backs and other issues. Now, according to some they claim not to do that any more. I sat thru a USCCA presesentation and the dude said that. But where is it in writing where they changed their policy? The presenter said there isn't anything in writing saying such. You have to take their "word" for it.

Additionally, there are nuances of coverage for LEGAL coverage for civil liability and actual JUDGEMENTS for civil liability. There wording of the marketing is obscure at best, and IMO intentionally done. This is serious stuff.

And THAT is why I queried the forum members. The insurance companies will tell you what you want to hear, but won't tell you what they don't want you to hear... unless you ask the questions. That's why the thread. Entiendas?

Full Disclosure: I work closely with Right To Bear

I think you are smart to ask around everywhere you can to find what plan will work beast for YOU!

Right To Bear is the ONLY self defense coverage plan that is backed by over a billion dollars in assets. Some plans are backed by a pool of their members premiums. Depending on how much they set aside, a couple major cases could bankrupt them leaving the rest of the members without adequate resources to defend their cases. With Right To Bear, you can be sure there will always be money available to defend you.

Some of the plans mentioned on this forum are insurance backed, which as you pointed out puts you in a "claw back" situation. I was in law enforcement for over two decades and I've witnessed plenty of charges get reduced to nothing more than a slap on the wrist, in exchange for a "guilty" or "no contest" plea. With an insurance backed company, that will trigger the claw back because you cannot insure an illegal act.

Right To Bear is also one of the only programs that will cover their members even if they work in law enforcement/security/first responder and were on duty at the time the self defense claim occurred.

We have a legal team that will get your case started immediately when you call our 24/7 emergency hotline (answered by an attorney). If you join a program that uses a "emergency response team" or other such verbiage to describe who answers the hotline, just be aware that the person you speak to can be issued a subpoena and forced to reveal what you described to them and produce any notes they took about your incident. Once our attorney answers the phone, you have attorney/client privilege and your discussions are protected.

I don't want to run on and on about the Right To Bear program, but I think you're doing a great job by searching for the company will help YOU! If you have any specific questions, let me know.

Scott T.

 

Wife and I have CCW Safe...happy with them so far...pray we never have to use them

 

I have USCCA because they cover my wife and myself

 

It's great that you have something. One difference that I love about Right To Bear is the freedom to what's best for my family, without having to worry about paying back any money. If I'm facing 5 years in prison for an aggravated assault, but my attorney can get it pled down to a misdemeanor reckless display of a firearm with no jail time (I've seen this exact scenario play out dozens of times in my 20+ years in law enforcement), I'm taking the deal. I cannot risk trusting that a jury will not base their verdict on the fact that they are anti-gun in this day and age.

With Right To Bear, I take that deal and move on.

With USCCA, if you take that deal they will "claw back" expenses which is insurance talk for "make you pay back all the money they spent on your defense." This is because they are an insurance product and they cannot pay out on an illegal act. Now it feel like you didn't have any coverage after all.

Right To Bear will cover you and your wife, inside the home, outside the home, on duty or off duty, for probably less than you're paying now. You are smart to have something though. Stay safe!

Scott

 

I told you there would be misinformation . I've seen so many of these threads and people tend to repeat what they read on other forums . That doesn't make it true .

 

I chose CCW SAfe after research. I think Kyle Rittenhouse was represented by an attorney who has done some work for them. I can't verify that.