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.
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.
2023 Update: I’m an Elite member (with a better camera now). And I added an in-depth review of almost their entire video library.
Table of Contents
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.
Don’t worry…I’ll go over all the major points and differences between each tier.
Wait, 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.
- Annual Liability Insurance Limit: $2,000,000 aggregate
- Defense Expense: No Limit
- Cost of Bail Expenses: $100,000 of funds. A $1,000,000 bond usually costs $100,000 or 10% of the total.
- Incidental Expenses: $20,000
- Actual Loss of Earnings: Up to $750 per day
If you want to learn more about the insurance part yourself see the full details here.
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.
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.
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.
But for March 2023 you’ll get a free range bag. And if you sign up for Platinum or Elite membership you’ll also get a survival kit.
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.
But that Protector Academy…that’s the good stuff.
With the starting Gold tier…you get access to Level 1.
The Handgun Safety and Marksmanship beginning video series is a great primer for everything handgun.
It’s a series of front-facing discussion, top-down views, and pictures of important concepts.
I also like how in the course they really hammer in the firearm 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.
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?
Another great video series with Tim (founder of USCCA) and Kevin, editor of Concealed Carry magazine (and full-time LEO).
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.
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?
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.
BUT…one thing I almost forgot was their 365 day money back guarantee.
If you feel it wasn’t worth it, even if you soaked up all the info, just call them up and ask for a refund.
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
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.
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.
But it got a little boring.
However, you do get some good info that hopefully sticks with you. I personally liked the stats that 86% of defensive shooting events occur between 9 and 15 feet.
That gives you some good training setup insight.
However at the end of it all I wish there was some more holster stuff or things at the range. Rob goes over advanced stuff like lateral movement and in-contact shooting but kind of leaves it at discussion only.
With Level 2 you also get some fun quizzes (that you can’t skip). I don’t mind since safety is super important and should keep getting refreshed.
But some questions were too definition-based instead of application.
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.
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).
There’s quizzes again and also gets randomly complicated…
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.
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?“
Plus the break-downs at the end are super helpful.
There’s a bunch of them and you get access to them all.
Sometimes things get…hostage-y.
And sometimes people run…a lot.
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.
There’s small additional training that’s added every month and also a “Ask an Attorney” series. It’s ok but I didn’t watch too many of them.
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.
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
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.
Don’t forget about fire! I like how the instructor was outside using specific firestarters. Much better b-roll for this course.
And of course food!
He then goes into home security with some good tips on how burglars get in and how to protect against that. Then ends with some firearms knowledge.
The next course is the Mass Shooter course…
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.
You can tell the instructor does this all day long and knows how to present information.
Especially good was how he broke down the main components of drawing from a holster.
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.
Mastering Handgun Confidence
Done with Protector Academy? There’s three more standalone courses you get with Elite.
These get more in-depth than before.
You have Kevin again learning about the fundamentals of handguns…but also the caveats that separate a beginner from the more advanced.
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.
Overall a good “intermediate” handgun course.
Tim is back with the emergency prep guy for this series which starts off with securing your home.
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.
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.
#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!
Last up for this series is gun store etiquette which is always great info for first-timers to lower some anxiety when looking and purchasing firearms.
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.
Before getting into guns (again) and holsters (yay).
They dive into all the malfunctions with actual on-the-range footage.
As well as some advanced stuff like movement and cover. Finally.
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!
I just about covered it all!
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.
I’ll report back with what new stuff is added each month.
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.
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.
I would get the Platinum tier to start so I have access to Proving Ground and Level 2 Protector Academy.
But if you really like to learn everything you can’t go wrong with Elite.
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!
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.
216 Leave a Reply
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.
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?
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.
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
Different author; ERIC HUNG, here, PAUL YEN, CCW safe.
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.
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.
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
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.
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.
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.
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!!
Scary there is no disclaimer in here on whether the author is getting compensated in anyway by USCCA.
I just bought the Elite package from USCCA. Ya 500.00. I feel better. I like the fact I can cancell, ifI really need $.
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.
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.
Good comments most likely leave uscca and go ccw safe because you dont have to pay back costs if convicted of a lesser charge.
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.
This is troubling. I just joined, and now that I see that language in the agreement, I may cancel.
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.
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.
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?
As someone who recently moved out of the "People's Republic of New Jersey," I can only speak of that state. So, it's basically a non-issue there because unless you are law enforcement, retired law enforcement, or work as an armed security guard, you cannot get a CCW. It's impossible. You can carry concealed in your place of business and on your own property, but even still, NJ is not a "stand your ground" state and there is no "castle doctrine" there. The best you can do is (along with the NRA) to join the NJARPC. They have lawyers on retainer for questions only. Other than that, you're basically screwed if you exercise your SA right to self-protect., unless Evan Nappan takes your case pro-bono. I was able to get Texas Law Shield there, but I got out of NJ and moved to South Carolina. Now there is a great gun state, got my CCP with no problem. I gotta figure NY and CA are similarly horrid to NJ..
In your criticism of TLS you linked to a story on “TheTrace”. That source is a Bloomberg anti-gun rag. Calls into question the rest of your article.
The Trace does have an anti-gun slant, but their facts, in this case, are not incorrect. TLS was the subject of a class action filed by Texas CHL holders. I don't know the details or the outcome of that lawsuit. Here is a second source for all of the information: https://www.law.com/texaslawyer/almID/1202733632179/Judge-Grants-Class-Certification-in-Texas-Law-Shield-Suit/?slreturn=20150713103623/
All I want to do is buy some insurance and it is not easy to do
Look at Giles v. USCCA and you might change your mind. They refuse to pay.
Missing many facts here. It appears she may have purchased the firearm and membership, then baited her husband into a confrontation, counting on USCCA to pay her legal fees. USCCA may be privy to some information from the prosecution in the case that contraindicates her legal status to their services. The full details of this story are yet unknown to the general public.
I have been shooting for over sixty-five (65) years. I am very much experienced with firearms & I spent over forty (40) years in the insurance industry having founded and run my own insurance agency. I highly recommend a membership in the USCCA and obtain their insurance. I am an elite member myself. Good Luck & Stay Safe.
I hold an Elite membership with the USCCA and I wouldn't think of anywhere else. Tim Schmidt founded the USCCA and continues as the head of it. I was swayed toward the USCCA when I was shopping because of him. The coverages were close but he was a hard worker, smart, started the USCCA with basically nothing but an idea and made it what it is. The others didn't have what seemed like as well thought out a business plan. Tim has slowly and methodically worked toward his goal and reached it. He sacrificed some family time but not so much that he didn't benefit from having one. I'm a retired/disabled businessman having had virtually the same experiences. I can't envision Tim offering his membership anything but the best he can. One of my own companies was a family founded and owned (by me) insurance agency. I was in that business for over forty (40) years. I have also been around firearms for even longer. I'm now in my seventh decade of life. When I was four(4) years old my fathers uncle took me to some land he owned, and I shot a firearm for the first time. Firearms have now been a part of my life for over sixty five (65) years. I was taught to and I practice safety at all times around firearms. However, just in case a situation arises that I can't avoid, I'm glad I have the peace of mind of having a membership with the USCCA.Stay safe.
You really have to be lawyer with insurance expertise to determine if any of these are of any value.
Everytime I get ready to buy a policy I read one of these reviews and come to the conclusion that you will just be lucky if it pays off.
I have a significant practice as an expert witness regarding insurance coverage disputes. I would like to see a copy of the actual policy. The problem here is that if someone is accused of a crime, it may not be legal for anyone to provide insurance against an illegal act. If the situation involves an allegation, other than simply having committed a crime, then the insurance may provide coverage under a reservation of rights. It might be better to sell this as a pre-paid legal product, which would not necessarily run into the same legal ramifications. The NRA problem ran into serious problems because it was allegedly providing insurance for criminal activities, which is considered against public policy. This is a very complicated subject and I fear few of the people commenting are actually qualified to have an opinion.
Have you asked the company for a copy of the actual policy? IF so, what did they say?
USCCA IS HORRIBLE. I emailed them 3x asking them to answer a few Qs before I make my decision to join, and NO ONE EVER GOT BACK TO ME. I even “chatted” with a rep who confirmed the email address was correct. Both CCWSAFE and US LAWSHEILD had comprehensive replies to my questions within 36 hours. Lesson learned: USCCA will take the time to bombard you with marketing emails but cannot spare a few minutes to answer questions for a prospective member.
(Note: Due to disability, I am not able to call; this was not an issue for CCWSafe or US LAWSHEILD —- they were there for me when I needed them.)
Update: USCCA DID get back to me, it just took a bit longer.
NOTE: One of the BIGGEST DIFFERENCES between plans is DO THEY COVER COSTS & EXPENSES (C&E)? This is a HUGE amount of money that most people could not afford. — so DO read the Terms & Conditions before signing. Plans either Exclude C&E completely (meaning you pay all C&E out-of-pocket as you go along), or they may Include C&E in with attorney fees UP TO your max limit (which means you have less money for attorney fees), or they may Cover C&E apart from attorney fees which is the best of both worlds. Which you choose could make a HUGE difference in your immediate out-of-pocket expenses.
You need to add some precision to your email. I cannot figure out if you were comparing CCWSAFE and Lawshield to USCCA or the different plans within USCCA.
Thanks for this post. Now I'm reading the insurance policy that you link to because in my day job, I teach insurance. I'm very interested to dig into the details of the policy. Right off the bat, there are a couple of items that concern me, but I'll hold off judgment until I read it all.
It is interesting that I would not be getting my own insurance policy, but would become an insured on their policy. That has its ups and downs, but more later as I dig.
would you know if a "significant other" would be covered? We're together, but she isn't my wife as of now. Also, I became a resident of Florida, but she is still a New Yorker. If we were both up in NY visiting family, would we be covered at home in NY?
Thanks for the article.
Much of the information on this site is misleading. USCCA has been sued multiple times for failure to provide coverage. The incidents you mention with other similar groups, example TLS, that case was dropped and TLS was absolved of any wrong doing. USCCA also allows ANY attorney to be a part of their program. Meaning you may or may not get the best defense possible. I know a guy that used to be a USCCA member that left because when he called for an incident was told by a lawyer that the member would have to PAY the lawyer to be represented aside from the membership he pays.
Why not take a good look at the Armed Citizens Legal Defense Network. They are the best! I'm a member for over 8 years and will continue to be a member for years to come. Check it out.
The Feb 24 2019 article states you went with CCW Safe...this article says you've been with USCCA for quite some time? Do you carry both?
Two different people writing the articles
Coverage for my wife, being in home. Does that mean if she is in the garage or out in the yard and needs to defend herself she wouldn't be covered?
I read up on the US/TX Law Shield class action suit in 2013. Apparently they never learned their lesson because at the CHL class that my partner and I took in 2016 they were there and painting a very scary picture. They told us all that basically if we didn’t take advantage of signing up that day that we would be on our own and not offered their “deal” ever again.
I have USCCA the million dollar plan.. Here is the problem.. What happens when the DA offers that famous Deal.. Plead Guilty or risk Life in Prison.. Will the Atty try to pressure you to plead to something you are not guilty of to avoid the risk. I think the answer there is clearly yes..
More importantly however can USAA opt to refuse further legal financial support if one refuses to "Take the Deal" ?
Don't know the answer..
I would like to know if you have any alternatives for the state of New York if there's any.
so basicly what im getting out of this is if i have use my weapon in self defense i better be sur ei save a bullet for myself! it appears that even if im attacked and defend myself im basiclly screwed. I have held my Sacramento county California CCW for over 20 years and luckily have only had to draw my weapon twice both times showing the attackers i was armed put an end to the situation. In both cases i did not draw my weapon until they had pointed their weapons at me i never fired a shot.
I was just informed by USCCA that my membership could NOT be renewed any more because I am a NY State Resident. Apparently, they are now no longer able to issue protection and coverage for NY State Residents due to an "issue" (they would not be specific about it with me) that they had with the "political system" of NY State. So for any one who lives in NYS, you no longer have ANY coverage !!! Does anyone out there know what the "issue" was that the USCCA had with NY State ?? Any replies would be appreciated !
I signed up with them when you guys first reviewed them a while back and have not regretted it. Good company and great for the different levels of coverage to meet the needs/price point of different people.
These guys have too many restrictions. It is easy to go over their coverage limits with a trial. Think of the Zimmerman acquittal at $1.7 million. And if he had had a mistrial and the prosecutor decided to go after him a second or third time, he'd have run out of coverage with these guys. That's why I picked CCW Safe who have no limits on defending you in criminal and civil courts.
These guys are in the middle of a lawsuit where they decided not to cover one of their clients.
Way to pushy for me. Free guns every day? Who is paying for them? Their customers.
Great article. I signed up immediately and am very happy I did. Thanks.
I just joined uscca but unfortunately did not see this site first. I went with the elite annual plan
For 150$ more per year it basically doubled the coverage
I decided to go to the max since I reside in CA and own 2 small businesses. To much to lose not to spend the extra 150$. My hope is I will never have to use/test it. But like any insurance you only need it when you need it
Just signed up for the USCCA through the link - hope the noob offer is still valid
too pricey and limited coverage, Texas/US Law Shield better in my opinion
I joined using the link... hope the noob offer is still valid. How does that work?
Great update to the original. I actually picked up USCCA when you published the original article and have never felt bad about my decision. I have however, wondered if you still used them or still felt the same way about their covereage, so a great update to this article. I am still with USCCA and am actually about to add the wife who just recently picked up her CCW. As always, thanks for the great research and comparative work that you guys do for the rest of us!
I rock with USCCA as well. I maxed out with the Platinum tier. Love the helpful tips and seemingly endless educational resources. I feel a certain peace of mind knowing they can help me navigate through the legal minefield should a SD situation occur
My mistake, I meant the ELITE tier
Eric: Good article. I was surprised that you rarely carry a firearm so you must live in Kalifornia! I would suggest that you move to a constitutional carry state, or at least a state where it is easy and inexpensive to get a concealed handgun license. Never leave home or be in your home without immediate access to your firearm, as your life and the lives of your loved ones are at risk! Train like you will have to use your pistol and long gun, and hope that they will never be needed!!!
can you get gun insurance for just at home protection as i don't carry but have at home
USCCA covers in the home as well as when you CC!
I have the same question plus. Can I get home protection in California and am I protected if I am carrying my gun to the range legally in the trunk of my car and take it out to defend myself or my family?
Sad that one needs "self defense" insurance. What's next? Criminal insurance?
So, went to sign up with USCCA, but got as far as putting in my address. Turns out they can’t start new policies if you live in New York.
I've been a Gold member of USCCA since May 2019. What happens if it is determined that you acted in self-defense and it takes a long time to get your firearm back or never do from the police? Anyone knows?
I am retired LEO but have been out of it 20+ years. Used to be that police did not return confiscated weapons until ordered to / released from evidence by the a judge. I know that you can incur resistance in that regard from police departments but that usually stems from past experience with you and means that they may be petitioning the judge for a different action, It is a judge that will restrict or delay the return of your firearm in such cases that you were not convicted of whatever the offence was that the firearm was taken.
USCCA will reimburse you up to the Manufacturer's Suggested Retail Price of your gun if it appears it will not be returned.
I "think" you got most of it right but I am a little confused about your comments RE: Bail Bonds.
In the article you explain that ...
$25,000 / $250,000 Bail Bonding
The asterisk says “Reflects 10% of the face amount of the bond. For example, $25,000 reflects a $250,000 bond.“
It’s my understanding you’ll only get 10% of the bond (whatever it is), and only up to $25,000 which would mean a $250,000+ bond.
What does the + mean? If the maximum coverage is 10% for a $250,000 Bond you're capped @ $25,000. If I got this wrong please forgive me, otherwise, could you please clear this up for me.
I don't mean to speak for him but just putting in my 2 cents from experience. Retired PD.
It means what he said, you are capped at $25,000 which is 10% of the 250,000 and the + means you are on the hook / responsible for the additional 10% of what ever that + is.
"... peace of mind ..."
I have live in VA and I use USlawshield/ Texaslawshield. I haven't had to use it but it's a huge relief knowing I have it. You can add your spouse and children in the home for extra fees also includes all 50 states for a small extra fee, also has that coverage as well for an extra option. I bought my year of coverage which is actually 14 months but I had not heard of the class action suit against them. I may have to switch to USCCA when my coverage expires unless they somehow redeem themselves.
USCCA is no longer available in Washington State. They informed me of this last month. It ended in the middle of March. This sucks, as I am a lifetime member. I am looking for a replacement for myself til I get moved out of Washington State in a couple of years.
I read up on this for way too long. I compared the cheapest plans from six companies and like these two best:
1. CCW Safe for the best value and a few more features:
- $149/year for “ccw and police/military, active/retired”; $179 same for “ccw-only”
-- scroll down: https://ccwsafe.com/permit-plans.
- Only company to include spouse and children under 18 when defending themselves inside your house (NRA Carry Guard covers spouse); additional fee for others.
- Only company to cover all of bail bond, up to $500,000. Others pay only the “premium” to the bond (Court may require collateral to cover remainder), generally, 10%, up to:
-- $25,000 for both Armed Citizens (LDN), and NRA Carry Guard,
-- $2,500 for USCCA; $5,000 for Second Call Defense,
-- US Law Shield does not cover bail.
- Only this company and US Law Shield offer “No Limit” on both criminal and civil defense.
-- No limit - criminal / No limit - civil for CCW Safe, and US Law Shield,
-- $50,000 - criminal / $500,000 - civil for Second Call Defense,
-- $50,000 - criminal / $250,000 - civil for both NRA Carry Guard, and USCCA,
-- initial $25,000* – criminal / initial $25,000* – civil for Armed Citizens (LDN).
*after this limit, their board reviews case and allows more if there is “reasonable self-defense”
(see next below)
- Only company to specifically state they cover appeals, expungements, and have a “critical response team come to your location” for booking, etc.
2. Armed Citizens (LDN) for the best value and educational materials:
- $135 first year, $95 year thereafter
- DVDs, textbook, etc. These journals are free, 12/year going back 10 years: https://armedcitizensnetwork.org/en/our-journal
- *the $25,000/$25,000 plan seems reasonable. I can’t confirm, but their policy may be to spend up to $400,000. All insurers will stop payment as soon as defendant “pleads guilty” or there is a conviction. Armed Citizen appears to be checking mid-way to see if you have a chance of being innocent. NRA writes, “Be wary of any provider that claims to offer full criminal defense coverage funding up front: not only is this unnecessary, but such policies would be void in the event of a conviction. Most criminal defense attorneys will not require payment of final bill until after your case ends—at which time the rest of your criminal defense protection is available if you were acquitted or the case was dismissed.”
- Armed Citizen writes their members wanted bail bond protection (second best in this group) more than the extras provided by other companies (expert witness, firearm loss or confiscation during trial, compensation while in court, clean-up of house, psychological support). Their second year and beyond price is $95, much lower than CCW Safe price of $179 for ccw-only customers ($145 for ex-military/police).
NRA carry guard, from what I have read, is no longer available.
USCCA all day. The value is just there, plus they’re classier than the NRA Carry Guard jerks IMO. Seriously, although I do support the NRA, they’re late comers and we’re so rude to the USCCA it was ludicrous.
Noobs to CC should check out the USCCA’s “Into the Fray” videos for sound training . Available on YouTube for free.
Yes if you join you’ll get a lot of email but an unsubscribe can fix that.
The NRA concealed carry insurance program in NY was shut down by the insurance department for various violations and the people selling it had to pay millions of dollars in fines.
Hello, does USCCA cover members excursively when in the United States, or does their member coverage stretch into Canada/Europe.
I don't know for sure, but with all the legal issues that would be involved with that, I would bet NO.
I have some experience in the insurance industry and I know a number of people with long experience in the insurance industry. The general attitude of people that have been licensed to sell insurance could be characterized as "suspicion." They wonder what this insurance covers that would not be covered by other general liability insurance such as an umbrella liability policy. Here are some points to consider:
The company itself
Where is the company located? Are they located in one of the states that is tightly regulated, such as New York or California? Are they located in your state?
There are good reasons to ask these questions. One is that they may not be able to pay their claims, or may simply refuse to pay their claims. If they refuse to pay your claim and they are 1,500 miles away with no regulator in your area that you can call on for help, what are you going to do?
It is a good rule that you are far better off buying insurance from large, well-known companies that are registered with the insurance department to do business in your state.
What does it cover?
Criminal costs -- Insurance policies, by law, cannot provide coverage to pay your criminal defense attorney if you happen to commit a crime. The reasons should be obvious -- crime should not be rewarded. Therefore, if any company did guarantee to cover your criminal defense attorney, the only way they could legally do so is after you have been proven innocent. So, if you go to a jury trial, expect to pay for it yourself, whatever.
Civil Liability -- These are payments to the person you injured. Assuming it was a good shoot, a regular liability policy should cover the claim. A CCW would provide no real benefit in this case unless perhaps the settlement went over your policy limits. Your homeowners insurance would probably be primary and the CCW policy would then only pay if your homeowners was maxed out. If that is your worry, then it is cheaper to increase the limits on your existing policy.
What about the exclusions?
If you haven't read the exclusions, and don't want to read them and understand them, then just send me your money for nothing right now and be done with it. The exclusions describe what they will NOT pay. That could be just about everything, or everything, depending on the situation. Discuss it with an experienced claims adjuster or attorney, because simple legal terms have big meanings. Turns out that most insurance policies exclude payments for "intentional acts". Talk to an attorney about whether shooting someone is an "intentional act" that would not be covered. The attorney may not be sure himself.
Also remember that insurance policies are a "contract of adhesion". In legal terms, that means that you have no real right to negotiate the wording. Therefore, if there is any ambiguity in the wording, it will be ruled against the person who wrote the contract -- the insurance company. Therefore, exclusions are written with pretty solid legal language. Ignore them at your own peril.
What's the price?
The prices I have seen for CCW are about in the same range as what you would pay for an umbrella general liability policy with a million dollar limit that would cover you for all liability, not just liability arising out of a CCW incident. That is, you could get a lot more insurance coverage for the same money.
Would I sell CCW insurance?
When I first saw it, I did the math and figured out very quickly that, for the price, coverage, and risk of a claim, this is a better deal for the insurance company than travel insurance. Travel insurance is practically all profit. You collect the same money that the insurance companies get for a policy with much, much broader coverage, the number of claims should be somewhere around "tiny", the insured has to prove he is innocent before they pay anything, and he is in another state so his complaints about not getting paid go nowhere when he finally gets through with his jury trial.
Mathematically speaking, it is a money machine. If I didn't have to worry about getting busted and losing my license for selling it, I would open the insurance company myself.
It should be noted that the state of NY has shut down the NRA CCW program. In addition, the underwriters and agents on that program (all big companies) have agreed to pay millions of dollars in penalties. While the NRA complains that it is about gun rights, it isn't really. It's about questionable insurance products bordering on fraud. Anyone with experience in the insurance laws and any knowledge of how rates are set and claims are paid will tell you right away that there is something wrong with this picture. That's why the agents of the NRA program wound up agreeing to pay millions in fines.
What's the odds of a CCW incident in your life?
One fairly large online survey I saw said that the number of CCW holders who ever actually had to pull their weapon (not use it, just pull it) was somewhere around 2 percent, over their entire lives.
Your mileage may vary. But I wouldn't buy any of them. I would get an umbrella liability policy over and above my auto and homeowners from a reliable company that I know will pay their claims for about the same money.
I thought the same thing. I have a $1 million personal liability with my homeowner's insurance policy, and think I will simply stick with that.
Better make sure that your homeowner's liability policy covers intentional acts. Most insurance only covers accidental, unforeseeable events and excludes intentional acts (like using a weapon in self defense). I'm not saying that you are wrong, I'm only saying this could be a problem and it would be better to find out before you need it.
Im a big fan of your site and really learned much in the past year of subscribing. Thank you.
After much research I chose Self-Defense Fund.
Straight up legal help to just get me put of trouble. No gun give aways or free crap. I could buy what I want with the money saved.
Hi Bert, we're going to be slowly adding more. The next up is CCW Safe. It takes a while since we do research and buy the coverage ourselves. But thanks for the rec!
I went with ACLN for the wrong reason, It was the lowest yearly coast. I understand about the emails!. I just open the web site and they started. They offered so much guns and many other things. I finally unsubscribed. I did buy there Concealed Carry magazine, It comes 4 times a year and it is a glossy quality magazine. I enjoy your articles on handguns and accessories I have a save folder for the ones I want to keep. The ones about ARs, precision rifles, and Tactical shotguns, I usually delete them!
The silver plan still exists. However, the gold plan is better for $2 more a month. However, the spouse plan increased from $47 to $147 dollars a year on the annual elite plan. You cannot obtain any more discounts other than this. Personally, I think this is unfortunate. The only other discount is a 10% discount for having served in law enforcement, govt service or military.
Thanks for that info on the spouse plan...I'll reconfirm and update.
Luke, that is incorrect. To add a spouse onto silver is not possible, Gold is $7mo or $77/year, Platinum is $9/mo or $97/year, and Elite is $13/mo or $147/year
Does USCCA no longer offer the Silver plan?
It's a legacy one I believe.
I had it for a year, but dropped it. I was tired of getting my email bombarded by USCCA trying to sell more stuff. I was getting multiple emails for day. It was truly annoying.
The characterization of the coverage under the NRA Carry Guard is really not accurate. I've read the policy and it does not say there is no coverage if you are found or plead guilty. It just says that is where the obligation to pay for or reimburse defense costs ends. The policy covers everything (up to policy limits) up to the end of the case (but not including appeals). You say that the lack of coverage is a BIGGIE and its not accurate. This article really needs to be edited to fix this. Policies are complicated and discussing coverage when you don't have a law degree is, even with a disclaimer, not really doing folks a service. Please consider editing the article to be more accurate.
I don't know anything about insurance, but I do know business. I know enough that anything not spelled out in writing is something you will never see.
If the NRA policy says "that's where our obligation ends", I can promise you....THAT is where their obligation will end.
It would foolish to assume that if you are found guilty that the NRA is going to pay out the other 80% just because they think you're an "ok guy"
That goes double with insurance. Count on it. Anything that is ambiguous in an insurance policy is construed against the company. Therefore, they pay for anything they didn't say clearly. They cast those words in iron.
The state of NY has shut down the NRA program, at least in their state, and the underwriters and agents who were selling it have agreed to pay millions in penalties for violating various insurance laws and selling dubious policies. There are fundamental problems with the idea of offering CCW insurance in the first place.
The unfortunate thing is at the end of the post appears to be your disclaimer...
You close your post disclosing you provide video content for USCCA. This is where you seem to lose credibility as you state you provide video content for USCCA after membership purchase...
Hey Mark, great question. USCCA reached out after my unsolicited review and saw that Pew Pew Tactical offers a beginner gun course (created for our readers who wanted to get a beginner/refresher course on handgun safety). They thought it would be a great idea to cover the cost of the course for people.
Maybe they should send them to thier own certified insurance salesmen er firearm instructors!
I have been a Life Member of the NRA for over 20 years. I belong to USCCA for several years. I was under the impression that my spouse ( domestic partner) would need a separate full member ship. We both carry and have been together over 6+ years. When I contacted USCCA to upgrade, I was informed of my new cost per month. When asking about my partner I was told her membership would be covered for a small one time fee per year and I would receive a senior discount off the reg. cost.
Whenever I call they are very friendly, knowledgeable and have all my answers. I would never change to Carry Guard or any other program. In addition the web site is user friendly and easy to navigate.
Eric, Great article but has anyone actually analyzed the avg cost of a "case" when someone is a shooter? I purchased the Platinum coverage and even called USCCA to ask them what was the cost of the "average case" when I was deciding. CS reps said they did not know but sure that someone at USCCA does as this is how the monthly/annual rate is set. CS Reps offered to give me some lawyers in the area to ask this question. Don't get me wrong as I think USCCA has lots of benefits to offer but I also would love to see the numbers. Your link to "cost" does not really cover cost so one could do a Cost-Benefit-Analysis against the risk. This is what USCCA has up on their web page: https://www.usconcealedcarry.com/the-cost-of-defense/
Hey Eric, I'm not super sure of the "average case" cost either since there are so many factors...location, lawyer choice, booking, etc.
Just to understand , you have to bond yourself self out of jail and pay a retainer to an attorney. Basically, the same things in dealing with the courts now.
Unfortunate that USCCA does not offer memberships in NRA. At least offer as an additional/
Eric, great job as always!
I’m a member of both organizations. We use USCCA for CCW coverage and NRA for Instructor coverage. I wish USCCA would provide that as well, NRA quite frankly is pretty lame. I’ve received varied answers to coverage questions and they really danced around with answers to others.
I'm a USCCA Platinum member, Went with Texas Law Shield my first year, being from Texas & their plan's not bad. But after reviewing other insurers I switched to USCCA when it was time to renew my Texas Law Shield protection. I think it's the best deal out there, also. JMO. Hope I never have to use it.
You only give out the free lessons to FULL YEAR payor? Or do I at least get that access after paying all year on monthly?
Thank you Eric,
I have been very pleased with USCCA since 2011, they have been pleasant to deal with. I do not see me changing ins at all, the magazines are of high quality from the beginning. I do have my wife added, I signed up after hearing about the company during our first visit to Pahrump, NV.
PS I did hear the Law Schield people speak in about 2015 and they were nice folks, they made their coverage sound interesting.
Very helpful article and information. Thought I would add to the discussion by including a link to a page that compares the top five companies. USSCA is the final column titled "Other Insurance Product. https://ccwsafe.com/page/quick-comparison-of-service
In the USCCA fine print located at https://www.usccacoverageform.com/, it states in:
Section 1 – Coverages,
1.. Insuring Agreement,
b. (2) Our right and duty to defend ends:
(b) With the insured’s “conviction” of any criminal charge(s)
So, it appears, like the NRA coverage, they stop paying for any services once a guilty conviction is arrived at. Thoughts?
Hey Jim, not a lawyer, but looks like it. Though at that point it might be the least of your worries!
Thank you so much for this article. I'd be curious how those two listed compared to US Lawshield. I purchased US Lawshield insurance at the end of an IL CCW class when a rep came in to tell us all about their program. It was only $131.40 per year. I don't know if "you get what you pay for" holds true for this instance. US Lawshield didn't send me anything in the mail. The only thing I have to show that I'm covered is a card that was included in the sign-up flier. Their member portal is REALLY weak. I don't know; I think I may have gotten the wrong insurance for this year. I'm wondering if anybody who reads this has dealt with US Lawshield.
Thanks for sharing your experience, hopefully others will chime in too!
I do remember signing up with LS in about '14 or '15. Somehow my first payment got messed up and could never get it fixed, Your word weak does come to mind, I never could make a break through so I just stopped working on it and realized that USCCA was where I needed to stay.
Seems that I remember that they press their members into service on building membership, may be that customer service is the same thing and not enough training and experience?
I did get a nice double folder the day that I signed up with all sorts of info, I do not know if I got anything in the mail from them.
Eric, I edited to add some info about Law Shield and cannot get it to repost. Can you help?
I was working on an EPL membership, paying my quarterly $25 payments every three months. I got on my computer to make my next payment. My account on their website said I had a yearly membership, however on my previous payments my account clearly said EPL. I sent three e-mails, each about a week apart, asking them to fix the problem. I never heard back from them. The first e-mail was polite, the next two were i increasingly angry. After the third e-mail was sent, I checked to see if my status was fixed. Not only was it not fixed, my account was deleted. so this is how they handle there own screw ups.
When the NRA bumped me down to yearly, my magazine subscription went from EPL to expiring a year and a half down the road. I gave up on these incompetent idiots after the third e-mail. A few months later I got to thinking about how they screwed me out of the EPL membership, I got mad all over again, I checked my e-mail to see if I got a response from them. Not one word. So I sent them an actual letter along with my membership card telling them what they can do with it and to never send any more literature whining for more money for a membership or for any other reason. My magazine subscription stopped 15 months earlier than what the printed address label on my latest magazine stated.
They are constantly soliciting for memberships and donations so that they can continue the fight and they pull garbage like this. How are they going to continue if they keep screwing people over? I know I can't be the only one.
If I could give zero stars to the NRA, I would. They certainly don't deserve even one star.
Interesting and great reaffirming article! I “had” the NRA Carry Guard insurance, however after the recent “fleeing” of certain companies from the NRA (including the underwriters for the Carry Guard insurance, Chubb) I am now a member of USCCA and couldn’t be happier, especially with the main points you highlighted in the article. Had a very close friend of mine get into the financial train wreck of having to deal with a self defense situation and he had and will continue to carry USCCA, he stated if it weren’t for them he would essentially be homeless right now.
NRA Member and I have the NRA carry guard insurance, but recent NYS Attorney General issue voided the insurance in NY State and at expiration the underwriter will not renew in NY State. Any comments about this would be appreciated. Does the NY State insurance rule apply to USCCA as well?
Well,does nys rule also apply to other ins.?
I'd like a definitive answer to this as well; I used to have a USCCA policy that was ended at the end of June (I got a lot of notifications about the DFS decision), but it looks like it's available again to join from my account. I keep asking different instructors and others from USCCA but noone seems to be able to tell me for sure that the NYS DFS situations was rectified, and if so, how? The 'complete coverage form' appears dated at the end of June which would suggest it was modified to correct those issues as it spells out clearly that payment is not made for claims found to arise out of a criminal act on the part of the insured. But given the situation this year, why is there no FAQ on their site that's like 'Yes, the policy is now NY-compliant'?
Eric: GREAT Article. I was a Gold Member but I upgraded to Platinum, after reading this article. Also, I had Insurance coverage on my gun collection with NRA this past year. When my renewal was up, I found another carrier, Collectors Insurance. Their coverage is better and their cost was about half. You should write an article on that comparison as well.
I researched them all and I've been with CCW Safe for 5 years. I think they have the best coverage and are the best value in the industry. I highly recommend looking into their coverage/price if you looking for protection. I'm not associated with them, just a satisfied member.
Sounds like this was written by some top salesperson for the company. Sorry, that's just my opinion.
This kinda sounds like it was written by the competition. Just kidding!
But no, it's by me who did some research before settling with USCCA. And I'm still paying every month for my coverage just like anyone else.
Just signed up for the hold plan, thanks for the article better safe then sorry
Glad we could help, Lori!
Why did you settle with them and not an umbrella policy on your insurance?
pretty good imho.
Your the best, Eric. How do you always know what I want to know LOL. Seriously though, thank you!
You're so welcome, and...I try LOL
Not available in New York ??????????
I have a question and look for any info others can provide. I currently have the NRA Carry Guard (it renews this month) and I looked over the USCCA policy and information about it and found it had many things I liked that are not in the NRA policy. Early in the USCCA policy there is reference to terms on the Declaration page (for example, the Each Claim Retention Amount) that are not fully explained or defined in the body of the USCCA policy. I called USCCA and asked to see a copy of the USCCA policy Declaration page and was told they would not provide me with a copy of the policy. The representative with whom I spoke was nice enough but I don't think he really understood the reason I was asking for a copy of the Declaration page but was just reading from a script or canned answers. I was the General Counsel for an international property & casualty insurance company for close to 30 years and know that important information is on the Declaration page. Has anyone encountered this issue and been able to work through it with USCCA (or gotten a satisfactory answer as to why you can not see the Declaration page)? Thanks
You should be able to at least make a claim using the FOIA. Written letter to the main office requesting that page and siting the act should do it... I have not done something like that with an insurance company (and don't know why they would not display the information in the first place) but have done it other circumstances and yielded immidiate results. Hope this helps!
FOIA (federal or state-style statues) are only applicable for actions filed against a government entity (not a private party) covered by the statute.
Nice review! I came to the same conclusions for my self-defense insurance needs. I love their magazine; full of real time real world advice and lucid opinions. I hope I never need them, but I’m confident that they are in my corner.
You use "thetrace.org" as a reference against choosing the "Texas Law Shield"? USCCA may indeed have a better plan, but using a site bankrolled by the Bloomberg crowd throws up red flags. I wouldn't trust "Thetrace" to tell me where the bathroom was. Your sources need to be vetted a little better.
TheTrace was founded by seed money that came from Bloomberg, but their reporting in this matter at least was correct. I double checked the story just now and found multiple sources that all agreed on the details of the case, including TheTrace.
Defensive Carry thread with a lot of good info.
TexAgs another good thread with information.
Reddit thread with MORE good information, although this thread was in part based on TheTrace reporting. Still, in the CCW sub and with a lot of good content.
TheTrace might be a suspect source, but their information was vetted and cleared. They also have the best actually layman story on the subject that I've seen so far.
I just checked with USCCA and they offer full coverage for the spouse for an extra $47. The apparent lack of complete spousal coverage was why I went with Carry Guard..
Why are the comments gray text on light gray background? I can barely read the stuff.
Question, $47 / month or year,,?
It's for the year...I'll be updating the article to show this pretty awesome perk!
I signed up with USCCA in 2014. They were the best then and still are today. I signed up with the silver plan. I also get a 10% LEO discount.
I worked in LE for 27 years and carried off duty. I hope I never have to use USCCA’s legal services.
Yup...something we wish to never use but it's good to have.
Does USCCA or other cover accidental discharge or range accident? Here in California about the only place you'll have a firearm is in your home, at the range, or to/from range or FFL. looking for best coverage for in-home firearm and range use . Very few non law enforcement/ LEOSA CCW permits here. Thanks.
I don't think so...this is more for defensive gun use. Someone stated that specific umbrellas might cover accidents.
Eric if I recall correctly from the e-mails that USCCA sends me, they do cover citizens that do not have a CCW as well ( double checked my e-mail) but it appears they cover ones with out permits which would work for home defense situations, well not sure about the range part but lets just hope he doesn't shoot anyone at the range..
California leaves it up to the county sheriffs. So it really depends on your county within California. I'm in Placer and received my CCW this month with virtually no hassle. Paperwork, fees, training, and an in person interview at the sheriff's office with a retired deputy.
Great review! I believe that I have what I need to make an informed decision. Thanks Eric!
Glad we could help out!
you should read their fine print. See copied and paste below from USCCA actual insurance policy: "We have no obligation to provide a defense in connection with the investigation or defense of any criminal charge or criminal proceeding against the insured." "We do not
have to furnish these bonds." The policy seems to tell you what it covers and then at the end of the sections tell you they don't have to provide the coverage they just said they would. Suggest everyone read the fine print!
Hi Jenny, thanks for bringing this up! I asked USCCA and here's what I found out:
The language that is being referred to is between our Insurance Company and the USCCA.
This is United Specialties saying they do not do this and it is the USCCA's responsibility.
It is a common confusion of Members and prospective customers as they are used to being the "policyholder" for Auto, Home, Renters, Etc.
As a Member, they are not the policyholder, the USCCA is the policy holder.
What this means is the USCCA is the first line of funds, and then United Specialty is our back up for the Civil Suits, which is where the hefty monies are needed if a suit occurs.
Most companies would normally withhold that information so their customers would not see it and get confused.
I like the transparancy even though it can be confusing.
From my experience..........................USCCA insurance was a life saver, (no pun). Without a doubt...one of the best choices I have EVER made. Per my attorney's instructions, am not able to provide the details. As most of you have figured out already. I was forced to defend my family as well as my own derriere. Yes a life was lost, and three were saved. I was not arrested & allowed to go home after the event. The following people(USCCA), were exceptional. Lisa, Corrine and Jennifer. Attorney fees, paid immedially was contacted several times for any acute needs. Very supportive...highly recommended. My greatest wish I have is that no one has to go through this type of event.. It is emontially painful.
Hi Fredd, thanks so much for sharing your story! Glad to hear USCCA had your back.
Just curious, but what coverage plan did you choose from USCCA?
Why do you start new topics with the word, "so?" It means "therefore,' not "new topic."
Hey Sandra, I tend to write how I speak. But you're right...this article had an excessive amount of "so".
So I guess I'll update it soon :-).
Has anyone researched how many people have actually had to use the insurance? And how did it work for them?
I've had USCCA insurance for two years; given the number of prosecutors who hate guns/love publicity one would be a fool not to have some sort of insurance. I never even considered the NRA plan given that the NRA is very selective as to which gun owners they support vs. those whose rights they consistently remain silent rather than defend.
I would really like to see an in depth comparison of USCCA and CCW Safe. I did a little digging at CCW Safe and it looks to me that they have better coverage than USCCA with their top tier plan as compared to USCCA's top plan. Some of the biggest differences were that they have no cap on civil and defense funds, and they will cover you if you have to take a plea. They dispatch a support person directly to the site when possible. No limit on lawyer retainer and all funds are up front and don't need to be reimbursed. No cap on investigator cost. Appeals and record expungement covered. It appears that they cover everything that USCCA covers and then some so I'd like to hear from anyone who has done in depth comparison of the two.
USLawShield has my vote
It's my first time on this site and I've spent an hour enjoying the great articles. Your comparison of gun liability insurance was both informative and humorous. Count me in as a loyal viewer of PEW PEW Tactical.
Glad to hear, Gary!
Thank You so much for putting this up. My wife and I are going over which is best, and this really helped a lot, and Thanks to you, we've made me a choice.
You're so welcome, Paul!
Hey, did your consider an umbrella policy with your home/auto insurance provider? I was able to get a $1M policy for less money that includes coverage for acts of self defense as well as any other liability (car accident, incident at home, etc)
Sure, but does your umbrella cover up front costs of retaining a lawyer? Is the lawyer versed in the use deadly force issues and have experience? Is it going to pay if you're found guilty of negligence? Does it cover bail bonds? Is your wife covered? Does it cover theft? Available 24/7? If not your umbrella has a few holes in it!
I checked with State Farm Home Owners and the umbrella policy only covers if the shooting was an accident the discussion
Is USCCA an insurance policy? What insurance company is providing the coverage? Who is being covered by the insurance, the firearm owner or USCCA? I see the NRA Carry Guard has a known national insurance carrier providing the coverage.
I am down to USCCA and NRA carry guard. I am leaning to Carry Guard right now, but I was waiting to see USCCA insurance backer.
Hi Cog, this is from their site, "This liability policy is issued by United Specialty Insurance Company, a subsidiary of State National Companies, Inc. State National Companies currently writes over $600 million in premiums. United Specialty Insurance Company is rated ‘A’ by A.M. Best."
What benifit do you see in Carry Guard over USCCA?
My wife and I signed up with Firearms Legal Protection (FLP) out of Dallas after the founder and DIrector of Legal Operations gave a 2 hour seminar at the range where we belong. (Poway Weapons & Gear). As Platinum members at PWG, we were able to get the Premium Family Plan for $150, reduced from $378.90 (including a $39.90 one-time setup fee). They're a pre-paid legal service (no legal fees out of your pocket and then wait for reimbursement). Their hotline is staffed by attorneys (anything you say on the phone is covered by attorney/client privilege). Many other benefits.
VERY NICE ARTICLE WITH IN-DEPTH INFORMATION. ALSO LOVED THE COMPARISONS OF INSURANCES. THX!
Glad we could help out!
Couldn't find any "Silver" plan? What did I miss?
I missed an edit when they changed their plans. It was an old plan that is no longer available.
The Silver plan is no longer advertised, but is available if you ask for it when signing up by the phone.
Worth mentioning--- I just bought the Elite coverage at USCCA. For an extra $47/year, I was also able to insure my spouse with all the same coverage benefits. If I had not paid the extra $47/year, my spouse would only be covered for incidents within my home.
Good tip...that's new to me!
How does the USCCA define home? My wife & I reside in a motorhome part of the year and a friends house the remainder.
From Merriam-Webster: 1 : one's place of residence : domicile........
2 : the social unit formed by a family living together......
3 : a familiar or usual setting : congenial environment; also : the focus of one's domestic attention..........
4 a : a place of origin
The question here is 'Are we covered wherever we reside?
My gut says yes...but I'd confirm with USCCA just to be sure.
I wonder where US Law Shield fits into this. Knock on wood I have never had to use one of these entities but in today's times I think any are likely better than none.
Any reply’s to Andrews statement?
US Law Shield is the growth from Texas Law Shield (IIRC)
I would be interested to know how many cases they have handled and what was the outcome or resolution of the cases.
Hi Richard, I don't have that info but you can probably call them up to ask.
Great article, very informative to help make a decision who to choose. I believe all readers would appreciate hearing the story or stories from people who have actually had to use the insurance and how it worked out
Hi Radarphos, My understanding is that crisis counselor who takes your "emergency call" assists in finding a pro "second amendment" attorney who well understands the issues surrounding the use of deadly force and the use of firearms or any other weapon in self defense.. I'm sorry you have vision issues. There is some great training available using non-ballistic weapons and weapons of opportunity. Good luck to you.
Thanks for the information, John. Apparently I glossed over that information. What you share is re-assuring; and I was pleased that you re-enforced it..
I have been studying self-defense for 3 years. I don't own a gun for several reasons: (1) astigmatism-poor eyesight, can't focus eyes, (2) old enough to have to consider my heirs getting any gun I buy (and the question--Are they fit to possess or carry??? I say, NO!); and (3) I decided if I wouldn't train, I wouldn't own. What I did instead was buy a SIRT to train with (and guess what?) Between work, chores and naps during TV movies...I am not training; but also my family doesn't know that I have it (so the hiding it and secrecy in the home is also a training deterrent).
What I have been doing instead of buying that first gun is acquiring more knowledge: Target Focus Training (TFT) self-defense, Situational Awareness & Avoid-Escape-Defend programs, and I've bought some less than lethal self-defense items along with DVDs (TRS-FF) to show how to use them. I got USCCA because it covers "self-defense' legal matters with any type of weapon; and if I ever get into a self-defense altercation, I am covered.
I still got Platinum level insurance based on Murphy's Law (the worst will happen).
The only major disappointment I have with USCCA is the attorney listings. I checked out the attorney web sites and most of them are focused on "other than" CCW matters. I cannot determine their experience level, which hinders my confidence--but it also led me to increase my USCCA to the highest amount, just in case I must switch attorneys mid-stream. I also (thankfully) have no experience in that arena.
Thank you for this. I was confused about the insurance when i looked into it but you cleared up a lot of information for me. I will probably be going with uscca myself too.
You're welcome Max!
I think that it was great information. I carry often, and the need for just in case insurance is something that will give me piece of mind. It's the same with vehicle and home owners insurance or renters insurance. The difference if there's a loss I/e vehicle or property your not going to jail. I will be joining USCCA on my next payday. Our legal system is broken why take a chance.
You're welcome and glad you're joining!
I've been a USCCA (Silver) Member since 2016. I hope I never have to test to see if I made a good decision. We must remember, this is "insurance first" benefits second. I'm like you Eric, we get bombarded with emails daily from USSCA and I keep reading them. Please keep up the great professional reviews and opinions on firearms, gear and issues which effect/affects us individuals who are involved in the Firearms Industry.
I'll keep it up! There's tons of emails but I still at least open them to see what's going on.
Eric, I am also a USCCA member and did the same comparison you did with NRA and three others. USCCA insurance is head and shoulders above the others including NRA insurance. USCCA has extensive and really great videos and articles free to members and an award winning magazine that is included in your membership. Besides the beautiful color glossy magazine you get the digital version of all past issues free. I have purchases videos and books from them and found all of them to be top quality. Their Proving Ground program contains video scenarios followed by training on how the person going through the scenario could have done a better job and then a next scenario to show how the person improved in a second and even third scenario. On top of that there is a live webinar with experts from USCCA, outside experts, and an attorney who take live calls - all free. I just finished the E-Learning program and it was magnificent. (No, I do not work for USCCA and no I do not get a commission. This is truly everything is says. I was going to send one video set I purchase back, not because it was poor but because it was not exactly what I thought I needed - total refund, happily given. This is one of the most customer oriented organizations I have experienced! I am taking their firearm instructor program training at the end of September. Sorry to go on like this but you will not believe what you will get for your money. Yes, the critics will tell you that they constantly bombard you with emails and that is true. Some of them are free and some are repeated ads to purchase more products - if they fit your needs and your budget you will not be disappointed. IF they don't - just delete the email
I am an NRA member also and I greatly appreciate the work they do to protect our second rights.
That's great to hear on the videos...I haven't gotten around to them yet. Great to hear of your positive experience!
Thanks Eric, and thank you for all of the great information you bring to us. I am constantly referring people to your website.
Excellent and well researched article Eric, just what we needed to make our choice! Gracias senor.
Thank you for the comparison. I have been debating about getting some type of insurance from someone- so your comparison between USCCA and NRA Carry Guard- as well as the others (some I had heard of, others I had not) is VERY helpful. USCCA vs NRA Cary Guard Comparison chart especially helpful. Thank you and keep up the good work.
You're so welcome, Rick!
Excellent article. About a year ago we added a segment of this subject to every CCW or weapons class which is always well received. Your article covers the topic perfectly. Mind if I pass out copies of this? Keep up the great work.
Thanks so much and no problem on passing this out!
Great article. Been thinking about getting for a while and the article is the kick I needed to sign up.
I chose USCCA last week for all the same reasons you mentioned. I always carry a knife, especially helpful where in a gun free zone. I have enjoyed all your articles. Thanks for the knowledgeable and not condescending opinions.
You're so welcome Lee!
This was such a good what. I have been carrying here in Illinois pretty much since the law was passed here and have been thinking about getting coverage. This write up convinced me to where I'm not a USCCA member.
Thank for the info.
This was such a good *write.
This write up convinced me to where I'm *now a USCCA member.
You're so welcome Bryant!
There is a strong emphasis on the CC part but how do you get if you're at home? Does the same coverage apply?
Yup, as far as I know it does. There's slight differences about your spousal coverage that I updated in the article.
Hi Bill, it's now a legacy plan...the lowest is gold as of today.