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CCW Insurance

Herb Stoner

Herb Stoner

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Jan 13, 2019
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I'm looking for input on CCW Insurance. There are several options out there and I was leaning toward USCCA (popular and heavily marketed) but wanted to hear what the thoughts were on other options. A ton of info on the web and there seems to be a marketing battle of sorts on YooToob between USCCA and Atty on Retainer so not sure what's what.

Bottom line I want the best defense coverage I can get in the unlikely event I ever need it. It don't really give a shit about free backpacks, discounts on other retail stuff, or online training resources (nothing wrong with good training resources but this is just about legal defense if needed).
 
to me,a tough call. never had malpractice as an RN. our "professors" pushed it in school. they thought it was "professional" like doctors. i never considered it. i felt that it would make one a target and an automatic lawsuit if any outcome issue arose. most doctors are forced to get it or hospitals won't give them staff privileges. here in FL univ docs are state employees and the laws say most they can be sued for is 100k. not worth a lawyers time. hear that all the time.
am not a lawyer but it seems to me that if you drop some spook and are not charged or are found not guilty of a crime,a civil suit if you are a poor would be a non starter for an interested shyster.
have always wanted expert opinions on that. any knowledgeable lawyers have an answer?
 
mosin46 said:
to me,a tough call. never had malpractice as an RN. our "professors" pushed it in school. they thought it was "professional" like doctors. i never considered it. i felt that it would make one a target and an automatic lawsuit if any outcome issue arose. most doctors are forced to get it or hospitals won't give them staff privileges. here in FL univ docs are state employees and the laws say most they can be sued for is 100k. not worth a lawyers time. hear that all the time.
am not a lawyer but it seems to me that if you drop some spook and are not charged or are found not guilty of a crime,a civil suit if you are a poor would be a non starter for an interested shyster.
have always wanted expert opinions on that. any knowledgeable lawyers have an answer?
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Different deal entirely - I wouldn’t carry without some kind of coverage.

Local guy was verbally threatened / harassed by some sketchy dudes, drew, they backed down and a 3rd partly called the cops. He went it alone and ended up getting probation and can no longer have any guns. Civil suits are real and very expensive to defend and if you own anything it’s at risk, homes, investments, etc. Plenty of scenarios where there were no charges for a defensive shooting but homes and savings were lost to the family of the bad guy.

I’m sure others here have researched the options and am curious what others went with and why.
 
What "I've heard" is when you sign up for one of these CCW insurance companies is that they won't honor the insurance if you're ever charged w/ some sort of crime which is why you want the insurance to begin with.
 
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Herb Stoner said:
Different deal entirely - I wouldn’t carry without some kind of coverage.

Local guy was verbally threatened / harassed by some sketchy dudes, drew, they backed down and a 3rd partly called the cops. He went it alone and ended up getting probation and can no longer have any guns. Civil suits are real and very expensive to defend and if you own anything it’s at risk, homes, investments, etc. Plenty of scenarios where there were no charges for a defensive shooting but homes and savings were lost to the family of the bad guy.

I’m sure others here have researched the options and am curious what others went with and why.
Click to expand...


Well.

Dont draw on verbal jousting from hoodrats.

Draw on actual threat, any brandished weapons. Not just verbal.
If you draw, you will be shooting if you are actually be fearing for your life.
3-4 hoodrats talkin smack, let em know you are ready and be ready.
Dont draw.
Usually considered felony brandishing.

Anyone of them produces a weapon, it changes and you go.

The dude you heard about screwed up.
 
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It’s a scam.
Do you have a good golf watch? better just to pay a retainer, then pay a monthly fee for a service that does not have any obligation to do anything

ccw insurance might cover you (if it’s not needed)… they have tons of outs if you are facing charges or any controversy
 
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powdahound76 said:
Well.

Dont draw on verbal jousting from hoodrats.

Draw on actual threat, any brandished weapons. Not just verbal.
If you draw, you will be shooting if you are actually be fearing for your life.
3-4 hoodrats talkin smack, let em know you are ready and be ready.
Dont draw.
Usually considered felony brandishing.

Anyone of them produces a weapon, it changes and you go.

The dude you heard about screwed up.
Click to expand...
Yes he did…
 
I'm signed with AoR. Read the policies of other "insurance" programs: they all has clauses that allow the insurance company to deny you coverage for a number of reasons even if your lawyer thinks it's a good case. And it's not even a lawyer that makes that decision - the insurance company does. The insurance company is also going to require your lawyer to share facts of the case with them. That communication is not protected under attorney-client privilege, so it can be subpoenaed by the prosecution. Those are the reasons that made me switch.

I had a quick question about their family plan, not time-sensitive, so I sent a question in on their web form expecting to get an email at some point. Within 10 minutes I got a call from someone there. Not a call center in India or some 3rd party firm they farmed their out phones to. Gave me his direct number if I had any other questions.
 
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I don't carry but always wondered if you could get an umbrella policy that would cover you if something went wrong. After all, OJ's criminal trial defense was paid for by his umbrella policy.
 
You carry your deadly hands with you everyday, do you insure them? A crime is a crime, and no matter the cause, insurance isn't going to cover a crime. If you swing those hands and break someones nose in anger, your home insurance is not going to step up. I see carrying a gun the same way. If I have to pull it, I'm pulling the trigger. I'm not using it as a threat. If the discharge is deemed a crime, not sure insurance is going to help.

I think it is all a scam. I would love to see the claims these companies have paid. Almost every single person I know by age 40, has filed and collected on car insurance, home insurance, and health insurance, myself included. I don't know a single person to ever file a claim for shooting or accidental discharge of a weapon, and then collect. I don't even recall ever seeing a case online, not that I have looked.
 
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Attorneys on Retainer.

Call and talk to them, they will actually talk to you like a person and not a "number" like others will. Had USCCA for a few years and didn't like how they treated people who had to use their service. When I asked USCCA customer service about this I was insulted and told I was wrong. Canceled that day and moved to AOR.
 
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Tag. We've been with USCCA for 10 years and have a year to go on our current membership.

A better option wouldn't hurt my feelings.
 
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sroc112 said:
Us law shield is not insurance. It's a phone number to have an attorney on "retainer".
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From their T&Cs:
All legal services are provided by independent third-party program attorneys. The Company is not a law firm and is comprised of pre-paid legal services companies or similar entities regulated under state law, which provide benefits and coverage for members. In some states, these products are offered by prepaid legal companies regulated under state law. In others, the applicable entity offers an insurance product. U.S. Law Shield, LLC is underwritten by Fortegra Companies in many states where the entities conduct business as the policy administrator for an insurance company. Fortegra Companies are rated A- (Excellent) for financial strength and operating performance by A.M. Best. In these states, all of our products are underwritten by one of the following Fortegra companies, depending on the state: Lyndon Southern Insurance Company, Response Indemnity Company of California, Blue Ridge Indemnity Company, and Insurance Company of the South. 100% of the insurance administration, technology, and customer service is provided here, in the USA.
 
I suppose I should have titled the thread “CCW Coverage” rather than insurance as some of these options are technically not insurance. Thanks for pointing out that there are subtle differences. Either way, I want some security that, in the unlikely and unfortunate event I need to use a gun defensively, I have something in place that can step in with legal resources to defend and mitigate any financial exposure.

Thanks to all who have left meaningful input so far and I look forward to additional info from your experiences researching and/or utilizing these services.
 
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PolarisBreach said:
From their T&Cs:
All legal services are provided by independent third-party program attorneys. The Company is not a law firm and is comprised of pre-paid legal services companies or similar entities regulated under state law, which provide benefits and coverage for members. In some states, these products are offered by prepaid legal companies regulated under state law. In others, the applicable entity offers an insurance product. U.S. Law Shield, LLC is underwritten by Fortegra Companies in many states where the entities conduct business as the policy administrator for an insurance company. Fortegra Companies are rated A- (Excellent) for financial strength and operating performance by A.M. Best. In these states, all of our products are underwritten by one of the following Fortegra companies, depending on the state: Lyndon Southern Insurance Company, Response Indemnity Company of California, Blue Ridge Indemnity Company, and Insurance Company of the South. 100% of the insurance administration, technology, and customer service is provided here, in the USA.
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They were at my range recently and gave an introduction with a PowerPoint presentation. The dude made it a point multiple times to say they are not insurance.
 
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sroc112 said:
They were at my range recently and gave an introduction with a PowerPoint presentation. The dude made it a point multiple times to say they are not insurance.
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US Law Shield does not publicly post their policy, so read from that what you will. What inposted was straight off the terms and conditions on the website: they are classified as an insurance company or prepaid legal depending on what state you're in. At the end of the day, you do not have a lawyer on retainer and you aren't dealing with a law firm, and US Law Shield - not your lawyer, or potentially even A lawyer - gets to decide whether your case meets the criteria of their program.

I was signed with US Law Shield before. It wasn't until AoR came on the scene that I actually started to look at the policy closely. My guess is US Law Shield, like USCCA, is hemorrhaging members and they're trying to stop the bleed by saying they're the same as AoR. They even had one of their contracted lawyers with a big YouTube channel put out a video saying just that (as well as saying US Law Shield is insurance).
 
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