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USCCA Review 2024: Will You Get Dropped?

USCCA Elite Membership
Confused by all the "concealed carry insurance" out there? I cover all tiers of USCCA membership, coverage limits, and a secret bonus.
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    There’s a TON of choices out there for self-defense learning and insurance.

    And like you…I wanted to make sure I had the best.

    I feel it’s one of those things that when you really needed it…you want it to be the absolute best.

    USCCA Membership
    My First USCCA Membership Card

    Well…I guess there’s my seal of approval (since 2017)!

    Read on to learn more about why I chose USCCA’s membership for both its learning library and added personal insurance benefits* all members get.

    2024 Update: I’m an Elite member (with a better camera now). And I added an in-depth review of almost their entire video library plus their June 2024 coverage changes.

    USCCA Elite Membership
    USCCA Elite Membership

    Table of Contents

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    Why Trust Me?

    I’m Eric Hung, the founder of Pew Pew Tactical, and since 2023 I’ve become a licensed insurance intermediary in 48 states (sorry NY and NJ).

    Hi, It’s Me

    I’ve written hundreds of articles about firearms on Pew Pew Tactical, especially from the beginner’s point of view since that was me not too long ago.

    I’m bringing that same mindset to this USCCA review with easy-to-understand aspects of their training and coverage.

    So you know what you’re getting.

    What’s Included in a USCCA Membership?

    There are currently three tiers of USCCA membership:

    • Gold Membership: $29/month or $299/year (save $49)
    • Platinum Membership: $39/month or $399 a year (save $69)
    • Elite Membership: $49/month or $499 a year (save $89)

    They differ in the amount of education and training content you’re able to access on the USCCA website.

    USCCA Levels, 2023
    USCCA Levels

    Don’t worry…I’ll go over all the major points and differences between each tier.

    What About “Concealed Carry Insurance?”

    You probably know USCCA and other competitors for “concealed carry insurance” but it’s a common misnomer that stuck.

    All USCCA members become insured on the self-defense liability insurance policy issued to the USCCA*.

    And as of October 2021…there are no longer defense expense limits.

    Here’s the rest of the good stuff that got a great bump in June 2024.

    Coverage Details

    • Annual Liability Insurance Limit: $2,000,000 aggregate
    • Defense Expense: No Limit
    • Cost of Bail Expenses: $250,000 of funds. A $2,500,000 bond usually costs $250,000 or 10% of the total.
    • Incidental Expenses: $20,000
    • Red Flag Coverage: Up to $15,000 in attorney fees and expenses
    • Actual Loss of Earnings: Up to $750 per day, plus up to $10,000 for actual loss of earnings within 30 days of incident
    Lawyer's Pants
    Truth

    If you want to learn more about the insurance part yourself see the full details here.

    Will USCCA Drop Me If I’m Convicted of a Crime?

    In June 2024, USCCA updated (and in my opinion, improved) their policies for members. Here’s the quick low-down.

    Plea Deal Coverage

    If you take a plea deal that does not include a “crime of violence,” your coverage doesn’t end.

    A crime of violence is one that “it involves the use, attempted use, or threatened use of physical force against another person.” Some examples include murder, aggravated assault, kidnapping, arson, robbery, extortion, unlawful possession of a firearm.

    This is great since before any plea deal would end in coverage.

    Impartial Coverage Determination

    Before, what was or wasn’t self-defense was determined solely by the insurance company.

    Now, the insurance company is required to grant coverage as long as your attorney believes there’s a good faith self-defense claim and the judge allows the argument to be made in court.

    Coverage is also available until the final non-appealable finding of guilt.

    Recovery & Recoupment

    Why is there still a scary recovery & recoupment clause in the policy?

    • This would be triggered by government or regulatory body forcing an attempt at recovery.
    • Some states require this language.
    • The insurance policy needs something to protect against fraud.
    Repo Men Scene
    Repo Men Scene

    As of the latest update, USCCA has stated that the insurance company has never recouped any amount paid on behalf of USCCA members.

    Next up I’m going to dive deep into are what other things you get with USCCA…and what membership tier to get for your end goal.

    Removal of Previous Exclusions

    Coverage is no longer affected if your self-defense incident occurs in a post office or federal building.

    Men in Black, Post Office
    Men in Black, Post Office

    Also, firefighters and paramedics are no longer excluded while on duty. However, LEO and security are still excluded while on duty.

    Free Pew Pew Tactical Handgun Course

    BUT THAT’S NOT ALL! Sorry had to do that…

    If you sign up for any USCCA membership you’ll also get free access to my Beginner’s Handgun Course which is normally $67.

    Pew Pew Tactical Handgun Course
    Pew Pew Tactical Handgun Course

    I’ll take you from total gun newbie to someone safe and competent with handgun fundamentals.

    Here’s a clip of how to fix a “double-feed” malfunction.

    Every 2 weeks or so, an automated system will send you a coupon to sign up for my course for free.

    More USCCA Bonuses

    Ok, there’s even more stuff now when you sign up. These offers change every month or so and I’ll do my best to keep on top of them.

    Right now, all members signing up get a handgun cleaning kit and if you sign up for Platinum or Elite you also get a tactical backpack.

    You can see the latest bonuses by scrolling down on the main signup page.

    Gold Membership Perks

    Now…back to USCCA! What do you get with the beginning Gold tier?

    Once you log onto the USCCA site…it’s a little overwhelming with all the stuff.

    USCCA Homepage
    USCCA Homepage

    Protector Academy

    But that Protector Academy…that’s the good stuff.

    With the starting Gold tier…you get access to Level 1.

    USCCA Protector Level 1 Progress
    USCCA Protector Level 1

    The Handgun Safety and Marksmanship beginning video series is a great primer for everything handgun.

    USCCA Handgun Safety
    USCCA Handgun Safety

    It’s a series of front-facing discussion, top-down views, and pictures of important concepts.

    USCCA Top Down View
    USCCA Top Down View

    I also like how in the course they really hammer in the firearm safety rules.

    USCCA Safety Rules
    USCCA Safety Rules

    If that’s the only thing you walk away with…you’re still good.

    Plus you’re able to play at up to 2x rates if you’re like me and have gotten used to it on YouTube and podcasts.

    Next up is the Children’s Firearm Safety & Fundamentals series which is great for parents of young ones like myself.

    USCCA Talking with Kids
    USCCA Talking with Kids

    It’s definitely more engaging than the first one since the instructors are a real life couple.

    They covered some good things for me:

    • developmental stages vs age for when to start teaching children
    • teaching mentality and different views when it’s children
    • great examples of modified activities for dry-firing

    Last up for Level 1 is the Range Requirements that you can fill in yourself.

    And which consists of 2-hours instruction with a trainer, and 50 rounds into a target at varying distances with a 70% hit rate.

    Easy peasy if you’ve got the fundamentals down. And you should…with both my course AND USCCA’s course!

    Pass it and you’ll get a nice patch in the mail.

    What else do you get in Gold?

    USCCA Gold Membership, 2023
    USCCA Gold Membership

    Situational Awareness

    Another great video series with Tim (founder of USCCA) and Kevin, editor of Concealed Carry magazine (and full-time LEO).

    USCCA Video Vault, Situational Awareness
    USCCA Video Vault, Situational Awareness

    Here they covered really useful (and actionable) info like how to choose the best seat in a restaurant, mentality for going to “sketchy” places, and more.

    Highly recommend giving it a watch since the best defense is to never get into bad situations in the first place!

    When to Use Deadly Force

    Another good series that puts gun owners in hypothetical AND real situations…then answers their questions.

    When to Use Deadly Force
    When to Use Deadly Force

    I found it good to think over situations, see how my actions differed from others, and then go over some FAQs for general situations.

    • What are your own rights?
    • How should you train?
    • What do you teach your family?

    Other Stuff

    Discounts and free shipping at their store. Pretty decent but nothing to write home about.

    You also get their magazine digitally + paper copy.

    Here’s the latest copy for me which goes in-depth into a case where a member actually used the insurance for a murder charge.

    USCCA Concealed Carry Magazine
    USCCA Concealed Carry Magazine

    BUT…one thing I almost forgot was their 365 day money back guarantee.

    USCCA 365-Day Bulletproof Guarantee
    USCCA 365-Day Bulletproof Guarantee

    Gold Verdict

    You are probably after the most cost effective option at this point …but the courses are decent and you have a very nice 365-day guarantee.

    Check out the full details here.

    Now…what about the next membership tier up?

    Platinum Membership Perks

    Again, you get access to the Self-Defense Liability Insurance* like the gold plebes…but you unlock a bunch more educational stuff.

    My favorite is the Proving Ground. But first…more courses!

    Level 2 Protector Academy

    USCCA Protector Level 2 Progress
    USCCA Protector Level 2 Progress

    Boom! First up is a class with world-renown Rob Pincus that goes over defensive shooting concepts.

    With a big emphasis on concepts.

    It has a different player that’s a small video and Powerpoint slides.

    USCCA Rob Pincus Course
    USCCA Rob Pincus Course

    It really felt that it was some content that was repurposed for the course.

    Not saying it’s bad info…since it’s really good mindset stuff.

    Next course is a medical one in the same player format that goes over some useful info if you’ve never taken a med class before.

    USCCA Medial Course
    USCCA Medical Course
    USCCA Medical, TQ
    USCCA Medical, TQ

    Overall it’s good info on what you can do before real medical help arrives.

    There’s stuff on assessment (scene safety, life threats, distracting injuries, etc).

    And easy-to-remember acronyms like ABC (airway, breathing, circulation).

    Then rounds it out with things like heart attacks, CPR, diabetes, and stroke. Before going into setting up your own med kits of different sizes.

    USCCA Med Kits
    USCCA Med Kits

    Next up is the in-person range test which is more difficult now. However on par with concealed carry qualifications if your state requires those.

    The Proving Ground

    Ok…my favorite part of the Platinum tier.

    It runs normal people through real-life scenarios. It’s entertaining and gets you thinking of “what would I do?

    Proving Ground, ATM
    Proving Ground, ATM

    Plus the break-downs at the end are super helpful.

    USCCA Proving Ground, Aftermath
    USCCA Proving Ground, Aftermath

    There’s a bunch of them and you get access to them all.

    USCCA Proving Ground, Cafe
    USCCA Proving Ground, Cafe

    Sometimes things get…hostage-y.

    USCCA Proving Ground, Cafe Hostage
    USCCA Proving Ground, Cafe Hostage

    I won’t give you any more spoilers…but it’s good content and makes the Platinum level worth it for me if they keep producing Proving Grounds.

    Platinum Verdict

    You still get all the Self-Defense Liability Insurance* benny’s and some more advanced classes. But it’s the Proving Ground that makes it worth the jump.

    Since you CAN downgrade/upgrade…it might be worth it to start with Platinum, watch all the Proving Grounds…and then downgrade.

    If that’s your thing.

    Otherwise Platinum is a good middle-ground for more info. Check out details here.

    And remember…you get my course no matter which tier you choose.

    Pew Pew Tactical Handgun Course
    Pew Pew Tactical Handgun Course

    Now onto the Elite tier!

    Elite Membership Perks

    The highest tier…you get all the previous goodies AND even more courses.

    Level 3 Protector Academy

    USCCA Level 3
    USCCA Level 3

    We go through our fair share of survival on the site so I dove into the Emergency Preparedness Fundamentals first.

    They do a good job of going through the basics starting with water…and actually deep dive into what purifiers to get for your specific purpose.

    USCCA Survival, Water
    USCCA Survival, Water

    Don’t forget about fire! I like how the instructor was outside using specific firestarters. Much better b-roll for this course.

    USCCA Survival, Fire
    USCCA Survival, Fire

    And of course food!

    USCCA Survival, Food
    USCCA Survival, Food

    The next course is the Mass Shooter course…

    USCCA Mass Shooting
    USCCA Mass Shooting Stats

    There’s good stuff on why mass shootings are getting more prevalent but the above image was eye-opening info for me. With a much higher percentage of business shootings and a much lower percentage of houses of worship from what I thought.

    Lastly, there’s the LaserTRAIN course which uses a SIRT laser pistol. I didn’t have high hopes for this one but it exceeded my expectations.

    USCCA SIRT Holster Draw
    USCCA SIRT Holster Draw

    You can tell the instructor does this all day long and knows how to present information.

    Now…how about the Level 3 range test?

    I haven’t had a chance to do it yet but it definitely ups the ante with both speed and precision portions at 3/5/7 yards with a much more challenging target.

    USCCA Level 3 Target
    USCCA Level 3 Target

    Mastering Handgun Confidence

    Done with Protector Academy? There’s three more standalone courses you get with Elite.

    These get more in-depth than before.

    Mastering Handgun, Grip
    Mastering Handgun, Grip

    You have Kevin again learning about the fundamentals of handguns…but also the caveats that separate a beginner from the more advanced.

    Mastering Handgun, Trigger Pull
    Mastering Handgun, Trigger Pull

    One tidbit even I picked up from the trigger pull section was to think of pulling the trigger from the front sight through the rear sight.

    This equalizes your internal focus onto both your fingers and your eyes whereas if you only focus on the front sight you skew your focus.

    There’s also more advanced drills done at the range such as the wall drill, bullet hole rill, walk-back drill, and reset drill.

    Mastering Handgun, Reset Drill
    Mastering Handgun, Reset Drill

    Overall a good “intermediate” handgun course.

    Armed American

    Tim is back with the emergency prep guy for this series which starts off with securing your home.

    Armed American, Securing House
    Armed American, Securing House

    Before diving more into setting up your own personal protection plan with the color codes of awareness and awareness of your surroundings. Things we’ve gone over before but now it’s more in-depth.

    They also get into gun laws and the financial aftermath of what happens in a defensive gun shoot. Plus detailing what exactly are “castle doctrine” and “stand your ground” with a lawyer.

    Armed American, Gun Laws
    Armed American, Gun Laws

    Next up is a little section on choosing your gun (which I felt was a rehash) and then a good section on the 10 concealed carry mistakes you can make.

    Armed American, Mistakes
    Armed American, Mistakes

    #7…not trying our your defensive ammo in your gun. I know it’s expensive but you have to make sure it works…and that you know the difference in recoil!

    Armed and Ready

    Last up…this course seems to be from DVDs since they talk about disc numbers. On the surface it seems like another rehash but there were some good tidbits.

    The “Hard Truths” lesson gets you a little riled up and in the protector mindset after utilizing some news footage of bad guys doing bad guy stuff.

    Armed & Ready, Hard Truths
    Armed & Ready, Hard Truths

    Before getting into guns (again) and holsters (yay).

    Armed & Ready, Holsters And Gear
    Armed & Ready, Holsters And Gear

    They dive into all the malfunctions with actual on-the-range footage.

    Armed & Ready, Malfunctions
    Armed & Ready, Malfunctions

    As well as some advanced stuff like movement and cover. Finally.

    Armed & Ready, Cover
    Armed & Ready, Cover

    Then they end it with some pre-threat indicators since the best thing is avoidance…as well as some home staging.

    Last up is what exactly is “deadly force” and what happens after a defensive gun use (lawyers, cops, phone call, and family plan).

    It’s good to think of it now before something bad happens!

    Other Stuff

    I just about covered it all!

    USCCA Elite Membership, 2023
    USCCA Elite Membership

    And yes…you still also get the self-defense liability insurance that comes with any USCCA plan. See details here.

    Elite Membership Verdict

    Some just want it all and you get it with the Elite Membership.

    The additional Level 3 Protector Academy courses are quite good…as well as the three additional standalone courses that get much more in-depth.

    But my advice is the same as the Platinum…

    Since you can upgrade or downgrade I would soak up the info…see if it’s worth the new stuff each month and then downgrade. You’ll still have your insurance regardless of what plan.

    USCCA Levels + Features, 2023
    USCCA Levels + Features

    USCCA In Person Classes

    Even if you don’t go for the membership, USCCA is taking the lead in coming up with comprehensive curriculum and training tons of instructors across the US.

    Their main in-person course is the Concealed Carry and Home Defense Fundamentals which goes deep into handgun basics and whose goal is to help you make it home safe every night and remain safe at home.

    I attended their newer AR-15 Fundamentals course and two of my fellow Pew Pew Tactical co-workers got instructor certified.

    Pew Pew Tactical, USCCA AR-15 Instructor Course
    Pew Pew Tactical, USCCA AR-15 Instructor Course

    Yes…AR-15s are awesome for home defense!

    It’s a great course for all levels and the instructor certification process was very rigorous over three full-days with plenty of prior homework and assessment.

    Pew Pew Tactical with USCCA Instructor Steve
    Pew Pew Tactical with USCCA Instructor Steve

    Conclusion

    It took a lot of words and video watching to get here…

    But if you’re only looking for “concealed carry insurance”…know that you get personal insurance* solely by being a USCCA member even at Gold tier. Details here. Remember I’m not an insurance agent…

    But for those who are looking for that AND education…it’s a question of how much you want to learn.

    USCCA Talking with Kids
    USCCA Talking with Kids

    I would get the Platinum tier to start so I have access to Proving Ground and Level 2 Protector Academy.

    USCCA Proving Ground, Cafe Hostage
    USCCA Proving Ground, Cafe Hostage

    But if you really like to learn everything you can’t go wrong with Elite.

    Armed & Ready, Cover
    Armed & Ready, Cover

    You can upgrade/downgrade as you wish and there’s a 365 day money-back guarantee.

    PLUS…you get access to my Beginner Handgun Course ($67 value) with any tier. I get emails of signups from USCCA and then auto-send coupon codes every 2-3 weeks so please have patience!

    Pew Pew Tactical Handgun Course
    Pew Pew Tactical Handgun Course

    The Fine Print

    *The USCCA is not an insurance company. A policy has been issued to the USCCA. That policy provides the association and its members with self-defense liability insurance, subject to its terms, conditions, limitations, and exclusions. I also have a working relationship with Delta Defense & the USCCA. CA #4272012.

    LATEST UPDATES

    June 5, 2024  Updated with changes to the program that included policy updates and upgraded coverage amounts.

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    241 Leave a Reply

    • Commenter Avatar
      Paul F

      Schilling for a horrible company like USCCA?
      I already unsubbed from your YT channel, gonna unsubb from your emails now too. ✌

      July 18, 2024 1:57 am
    • Commenter Avatar
      Monte Walsh

      Lots of negative opinions with generic statements of denied coverage etc. I’ve yet to find an actual, documented case of this. If they exist I’d like the replies to include the actual case, court or anything to support their statements.

      July 17, 2024 8:41 pm
      • Commenter Avatar
        Paul F

        Kayla Guiles, there are others i could look up, I could also look up the case number to Kayla's case, but you're sounding lazy and entitled.
        Kayla is a tiny woman who was being g beaten in front of her kids by her ex who was a 200 pound pro mma fighter uscca denied her claim and refused her representation, there are many other similar cases.
        But go ahead and stick your head in the sand and ignore facts.

        July 18, 2024 2:00 am
        • Commenter Avatar
          Monte Walsh

          She was CONVICTED of premeditated murder! That anti USCCA myth was debunked in 2022! She purchased the USCCA policy beforehand while planning the murder. No insurance company covers you if you’re engaged in a crime, have a competent adult explain how insurance works to you. Save the name calling for your Facebook page.

          July 18, 2024 9:50 am
          • Commenter Avatar
            Paul F

            Anything to justify your wasting money on garbage huh?

            You sound super emotional about this, you should probably lay off the soy, and eat a steak.

            Just because someone is convicted of something doesn't mean they're guilty.

            You probably think Trump is an "actual" felon?

            Kayla was convicted because USCCA threw her under the bus.
            Watch the "Attorneys on Retainer" youtube analysis on the case that's 2 actual attorneys (Marc J. Victor and Andy Marcantel)

            The Lawyer they originally assigned to Kayla said they had a great self defense case, they then removed him from the case.

            July 18, 2024 2:07 pm
            • Commenter Avatar
              Monte Walsh

              Until that case is overturned on appeal (not likely given the facts) your argument has zero merit….. and seriously, resorting to name calling diminishes your argument and character even further.

              July 18, 2024 4:57 pm
    • Commenter Avatar
      James Speer

      You have to pay up front then they pay you back if they decide too. There's better places out there and they pay for it. You don't pay anything

      May 20, 2024 7:17 am
      • Commenter Avatar
        Jack

        "You have to pay up front then they pay you back if they decide too."

        That's not true.

        I've used them...there was nothing to pay "up front" - they started paying for stuff immediately (as soon as I notified them).

        There have been people that did 'pay up front' before they notified USCCA, and they were paid back. USCCA, nor any 'self-defense' plan an 'insurance' or not, can't do anything unless you notify them.

        I called their 24 hour emergency number, told them what happened, and asked they provide a lawyer as I did not have one available (they will pay for any lawyer you select, it does not need to be one that is associated with USCCA), they provided one from their network of lawyers associated with USCCA. I was never asked to pay anything, even the lawyer told me that, nor did I pay anything through the whole ordeal. USCCA insurance picked up the tab for everything from beginning to end, even paid for a new gun (as the one I used was in police evidence lockup and had not been returned after it was all over - eventually it was returned, but I did get to keep the one USCCA insurance paid for.)

        June 7, 2024 10:21 am
    • Commenter Avatar
      Prog Dickenson

      Eric, I normally like you stuff, but not this piece. The stuff that has come out as of late about how the insurance underwriter for USCCA is denying claims at such an alarming rate, and the result is convictions and incarceration for USCCA members that believed in that product. And who had genuine legal self-defense claims, yet were abandoned by USCCA. The insurance underwriter has pulled some pretty shady dealings! I have tried talking to USCCA about all this and have been very rudely ignored. YouTube gun folks and many 2A lawyers are reporting more of the same. USCCA seems to be pretending that it isn't happening. Any time I see fluff pieces for them I start to seriously question the integrity of the writer and organization they represent. USCCA lost their integrity some time ago and are seriously bad for the 2A community. Eric, I hope you haven't lost your integrity.

      March 12, 2024 9:42 pm
    • Commenter Avatar
      Mike

      I currently have CCW Safe but was recently looking into coverage if in a "sensitive" place. I live in CA and I can't legally carry in what the state deems are sensitive places. Plus, they recently passed SB2, which is going to exponentially increase those sensitive locations. CCW Safe clearly states it only covers you if you're in a place that you're legally allowed to carry.

      After reading USCCA's terms, it states exclusions to include "unlawful possession of a firearm in violation of 18 U.S.C § 922 or other applicable federal law." State law isn't specified so will coverage remain if I'm in what the state of CA determines is off-limits, but not federally prohibited?

      If SB2 isn't stayed, just being in any public place that doesn't have a sign posting stating you can carry will mean you're illegally carrying a firearm in a sensitive place. :(

      October 16, 2023 6:35 pm
      • Commenter Avatar
        Matt

        I would go attorneys on retainer it is not a insurance company there a lawyer that helps u and want drop do not get this crap here

        July 17, 2024 10:09 pm
    • Commenter Avatar
      Mark E.

      All about selling more crap.
      Do you ever get tired?

      October 4, 2023 5:49 pm
    • Commenter Avatar
      Jim

      One of the things that ran me away from USCCA was the avalanche of ads that continually appeared on my screen. I went with CCW Safe, after doing my research. And I'm glad I did - their coverage has improved.

      August 22, 2023 2:13 pm
    • Commenter Avatar
      Chris Loesch

      Yeah i cancelled USCCA and here's why. Gotta read the fine print boys and girls.

      #1 if a DA charges you with a gun crime and it's a criminal charge not a civil one (pretty much all gun crimes for the most part are criminal) USCCA WILL NOT COVER you under their insurance PERIOD, no if's ands or buts, even if your innocent. NOPE. You don't think the local crazy DA's don't know the insurance policies of USCCA. They can charge you criminally for anything. Doesn't mean it will stick but it just means you get bankrupted because you can't use USCCA insurance because of a "clause" they slipped into their insurance paper work recently.

      #2 if you are found guilty of a non-criminal act (the only thing their lousy insurance covers) YOU are REQUIRED to pay USCCA back in FULL, 100% for all legal expenses incurred. So again what's the point of this garbage insurance? I concur with what Joe said below. He is correct.

      #3 If you utilize USCCA insurance to pay for your attorney's fee. USCCA dictates how you interact with the attorney, how much time you are allowed to spend with them, what conversations are allowed to happen, etc. Clearly violates client attorney confidentiality, but USCCA doesn't care.

      Like I said. Just like the NRA, the USCCA takes your money and doesn't really care. Sure they print a few magazines, make a few training videos, hold conferences, do some lobbying, but whoop de doo. The insurance is a total scam if you ask me.

      May 31, 2023 7:37 am
      • Commenter Avatar
        Gino

        Good to know!

        December 7, 2023 6:29 pm
      • Commenter Avatar
        Dave

        If USCCA is out, who do you have your coverage with?

        April 24, 2024 1:54 am
    • Commenter Avatar
      Joe

      To hell with the USCCA. They backstabbed their members a year or two ago when they surreptitiously and without warning changed their policy to include a reimbursement clause should the insured be found guilty or forced to plead to a lesser charge. I cancelled my USCCA insurance when I confronted them with that info and they refused to give me any straight answers.

      March 23, 2023 6:06 pm
      • Commenter Avatar
        Billy

        Wow! Thanks for saving me! I almost subscribed to USCCA before reading this. Total rip off. I would never knowingly agree to a reimbursement clause like this. Just… wow! Oh, BTW, who would you recommend?

        May 12, 2023 5:44 pm
        • Commenter Avatar
          Chris Loesch

          It would appear that you are at the mercy of the lawyers and you will be bankrupted regardless of what insurance you have. I cancelled my USCCA insurance as well. What's the point of paying it when it covers virtually nothing and if your found guilty of a civil crime (they don't cover criminal charged crimes even if it doesn't stick), you have to pay it back in full to USCCA. Pointless.

          CANCELLED MINE TODAY. Goodbye USCCA. You pulled a fast one on your members see ya!

          May 31, 2023 7:40 am
    • Commenter Avatar
      Nessa Valerii

      I love this site and it's been my trusted go-to for advice on all kinds of gun-related subjects. I purchased the Handgun Course and it was well worth the money, very grateful for that. I trusted this site so much that I'm really disappointed with this review of USCCA as an insurance carrier. It's shamelessly sales-y and concentrates on perks rather than what matters most if the main point of the conversation is about getting the best CCW insurance coverage. I noticed that the comparison article covers CONS for other carriers but not USCCA, whose coverage has one major, deal-breaking CON for me: they reserve the right to go after the insured to recover defense expenses if the insured is found guilty in a court of law. That's a huge consideration that those looking for insurance must be made aware of, and one does not need to be a licensed insurance broker to share this important detail.

      I, too, was initially swayed by all the bells and whistles of USCCA membership (namely, all the educational content covered in this article), so it pained me deeply to discover this game-changing clause in their policy, which even much cheaper insurance companies don't have.

      Wish USCCA offered an education-only plan but, in the absence of that, all the educational content in the world means nothing if one should ever be in a situation where a jury needs to decide our fate over an action that took seconds to contemplate and carry out. Should that ever happen, last thing I want hanging over my head is the possibility of being sued by my insurance company at their discretion to recover costs. I'll take the world-class, no strings attached defense provided by CCW Safe any day, even if their perk roster pales in comparison to USCCA's; I can get my education elsewhere.

      That said, I understand this is a very personal choice and the great majority of us will never find ourselves in a real-life draw situation requiring defense. Judging by USCCA membership numbers, the vast majority of people feel the perks are worth the gamble, and to each his own. However, guiding others who trust our judgment in such an important matter as which CCW insurance to get is a huge responsibility (at least to me), so omitting the one detail in the discourse that could make all the difference is a significant fail in my book.

      February 6, 2023 1:09 pm
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      Reynaldo Gonzales

      I read your review on CCW SAFE and you said that it was your preferrred insurance plan. Here is your quote: "Of course, just because CCW Safe is my preferred CCW insurance plan, doesn’t mean it’s the right one for you." Now you are saying that you have an Elite uscca membership and it is the best one. Which is it? Please clarify

      May 25, 2022 1:26 pm
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        Qranger

        Different author; ERIC HUNG, here, PAUL YEN, CCW safe.

        June 8, 2022 12:05 pm
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        Shaun

        He is paid for both. So he won't bash or downplay either.

        Both are substandard.

        January 27, 2024 1:37 pm
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      David SIEGEL

      I read a lot. I remember some and then put it together and expect, no demand it makes sense. For all you need to decide when you chose to pull a gun are you prepared to take a human life. Gun out pointed at a criminal is not the time to make that decision. Far as insurance I recall reading an article by an attorney. In a self defense shooting, it is a safe assumption that the prosecutor will go after you with an unlimited budget especially to avoid public outcry. Far as insurance, I would like to hear from someone who needed and used their services. I've read unless you hand them a perfect case, they will not defend you.

      May 23, 2022 7:48 am
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      David SIEGEL

      Your posts are always well done. I tend to read a lot, remember some and expect not demand that it fits together when I made a decision. Today's reality as I understand it. If, you ever need to pull your gun, first of all that is not the time to decide if you are prepared to kill someone. Assuming you did everything correctly, you will be prosecuted and they will do anything possible to destroy you. The prosecutor's budget is UNLIMITED. Far as insurance, an article by an attorney says, if there is any question at all, they will not defend you. A criminal-you are at a distinct disadvantage. Did you follow the advice on page 47 of the manual? You know the third paragraph. The criminal is a criminal-he maybe on drugs, etc and he being a criminal DOES NOT CARE.

      May 23, 2022 7:37 am
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      Doug Clarke

      What do you do if you’re a resident of New York?
      Of all the areas in the country, Communist NY is one of the states that you would need this type of insurance the most.
      Any suggestions would be greatly appreciated

      February 20, 2022 5:49 am
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        Chris Loesch

        Their insurance is a scam. Read my post above. #1 and #2 points.

        May 31, 2023 7:38 am
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        Bob Thomas

        Move! Duh

        January 2, 2024 8:03 pm
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      Evan Seelye

      I've been a USCCA member for a number of years enjoying the knowledge of the Delta Defense Team standing ready to assist you should the worst situation happen - you shoot someone. I appreciate the attitude of restraint and advice on avoidance of situations that would put you in a position to find it necessary to use deadly force. The articles on their website and in Concealed Carry magazine are constant and excellent reminders of the huge responsibility everyone who carries a firearm must shoulder. USCCA also discusses every day situations and the legal options and ramifications of concealed carry. One recent article that should be a must read for everyone was about the 6 things that will happen to you when you shoot someone. I highly recommend to anyone that carries a firearm to belong to USCCA if it's offered in your State (not available in every State - surprisingly). Regardless of who you think you are, if you shoot someone, you are going to need help. USCCA will prepare and assist you in that regard.

      November 8, 2021 5:11 am
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        Sgt J

        USCCA is simply a weapon training and informational website. Not a bad one at that. However, they are an agent for Delta Defence. If you need help after an unfortunate situation of defending yourself, it would be Delta Defence you would deal with . Not USCCA.

        October 26, 2023 12:22 am
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        JCT

        What is the year and month of article "6 things that will happen to you when you shoot someone"? It is always good to site your sources.

        December 24, 2023 6:40 pm
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        Shaun

        No they won't. They specifically state they will not cover criminal cases. Which ALL self defense cases are.

        You are lying, or ignorant.

        January 27, 2024 1:40 pm
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      AndyM

      All you really need is an umbrella insurance policy from your insurance agent. Almost everyone has car, home, or rental insurance. All them up and compare rates. The rest of the "training" they offer really isn't all that good.

      July 25, 2021 5:43 pm
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      Abc

      A few issues with USCCA:
      1. This year they jumped rates dramatically (and abusively).
      2. They spam the crap out of you. Prepare to adjust their filters.
      3. They waste a lot of effort on cheesey products and promotions like a cheap ripoff site.

      On the plus: they have discusses with a self-defense lawyer that are good. Coverage for the wife is reasonably priced.

      April 26, 2021 3:34 am
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      Pete

      What about a major clause. In the insurance package; where if you PLEAD GUILTY OR FOUND GUILTY, you can be forced to repay everything back to the USCCA!!

      April 18, 2021 4:27 pm
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      Curtis

      Scary there is no disclaimer in here on whether the author is getting compensated in anyway by USCCA.

      March 16, 2021 5:54 am
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      SHAWN SHIPSTAD

      I just bought the Elite package from USCCA. Ya 500.00. I feel better. I like the fact I can cancell, ifI really need $.

      February 21, 2021 6:08 pm
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      Don

      USCCA and CW Safe both seem to have good plans. What draws me to CW Safe is the unlimited defense expense. USCCA has a $250,000 payout limit. Is this amount realistically good with the current mainstream & social media? We've seen all too many self-defense scenarios on video which turn into high profile cases. Another issue with USCCA is if I'm convicted or plea bargain, they won't pay my defense? I'll need to re-read CW Safe to see if they have the same clause.

      January 13, 2021 7:27 am
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        JD

        I have been going back and forth between these two services. I am leaning heavily towards CCW Safe as I cannot find anywhere that restricts a plea deal or guilty verdict. As a matter of fact they even state they will cover an appeal.

        January 13, 2021 1:15 pm
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          PD

          Good comments most likely leave uscca and go ccw safe because you dont have to pay back costs if convicted of a lesser charge.

          May 15, 2021 9:53 am
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      Tom

      If you plead to a lesser charge, say a misdemeanor, because going to trial may be very risky, even though you're in the right, because you took a plea deal, you are not covered, at all, and owe all expenses paid back to the insurance company. You can find that hidden gem on Page 11, Section I (as in "eye') Sub Section 1. In other words, if you don't go through to trial and prevail, none of your costs are covered. None. You have to repay everything.

      January 7, 2021 4:09 pm
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        N. B.

        This is troubling. I just joined, and now that I see that language in the agreement, I may cancel.

        January 10, 2021 7:57 pm
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        Oliver

        If a company promises to provide legal defense for a policyholder after a firearm incident and a court later determines the act is criminal, the company may have sold an insurance product that is not in the public interest and that doesn’t comply with state law.

        March 8, 2021 1:00 pm
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        Oliver

        If a company promises to provide legal defense for a policyholder after a firearm incident and a court later determines the act is criminal, the company may have sold an insurance product that is not in the public interest and that doesn’t comply with state law.

        March 8, 2021 1:00 pm
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      Ken

      What options are available for insurance protection in NY, NJ, and WA?

      What do you recommend for residents in these states to protect themselves against the legal and civil liability expenses?

      November 30, 2020 9:07 am