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. With Level 2 you also get some fun quizzes (that you cant skip). The exclusions describe what they will NOT pay. Great to hear of your positive experience! I have talked with instructors that took the NRA CCW instructor course and found it to be mainly some from basic pistol, Inside the home, outside the home level classes. 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. US Law Shield is the growth from Texas Law Shield (IIRC). Spousal coverage is a must if you need concealed carry insurance. I do have my wife added, I signed up after hearing about the company during our first visit to Pahrump, NV. I read a lot. Not one word. If that is your worry, then it is cheaper to increase the limits on your existing policy. I was getting multiple emails for day. Thanks for the article. CS Reps offered to give me some lawyers in the area to ask this question. I also get a 10% LEO discount. 8 On-Target Concealed Carry Insurance Options (2022) I have been carrying here in Illinois pretty much since the law was passed here and have been thinking about getting coverage. I became my group's "gun guy" and everyone who had questions came to me. Given the advantages and disadvantages of both organizations, the clear choice between the two is the USCCA. No cap on investigator cost. Eric: Appreciate your input! I signed up with the silver plan. This write up convinced me to where I'm *now a USCCA member. I would like to see a copy of the actual policy. - DVDs, textbook, etc. See details here. From Merriam-Webster: 1 : one's place of residence : domicile.. I'm now in my seventh decade of life. However, the gold plan is better for $2 more a month. They intend to make customer satisfaction a priority. ); and (3) I decided if I wouldn't train, I wouldn't own. Rob goes over advanced stuff like lateral movement and in-contact shooting but kind of leaves it at discussion only. 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). 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. I was not arrested & allowed to go home after the event. I never heard back from them. They also have the best actually layman story on the subject that I've seen so far. The Trace does have an anti-gun slant, but their facts, in this case, are not incorrect. USCCA vs NRA Getting Started Edit: USCCA vs US LawShield vs NRA Looking for any opinions on preference and why you might prefer one over the other. I have a $1 million personal liability with my homeowner's insurance policy, and think I will simply stick with that. cost. you should read their fine print. FOIA (federal or state-style statues) are only applicable for actions filed against a government entity (not a private party) covered by the statute. Today, the NRA currently holds, as an example of how it all worked, well be taking a look at the Gold Level membership for NRA Carry Guard: The NRA Carry Guard Gold Membership was available at $31.95 a month or $359.95 annually. 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 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 just checked with USCCA and they offer full coverage for the spouse for an extra $47. But after reviewing other insurers I switched to USCCA when it was time to renew my Texas Law Shield protection. I wish USCCA would provide that as well, NRA quite frankly is pretty lame. Its my understanding youll only get 10% of the bond (whatever it is), and only up to $25,000 which would mean a $250,000+ bond. Discounts and free shipping at their store. There are currently three tiers of USCCA membership: They differ in the amount of education and training content youre able to access on the USCCA website. The NRA Disinvites USCCA from Annual Meeting and Exhibits I know I can't be the only one. The NRA problem ran into serious problems because it was allegedly providing insurance for criminal activities, which is considered against public policy. The United States Concealed Carry Association (USCCA) Pros One of the most established and largest - 660,000 paying members - concealed carry-focused associations in the country, United States Concealed Carry Association brings a lot of gravitas to the game. I just joined uscca but unfortunately did not see this site first. It appears that USCCA is a judgmental company ready to blame me if family member or invited guest starts trouble. For gun owners with the same belief today, it's an excellent resource. 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. Missing many facts here. I gotta figure NY and CA are similarly horrid to NJ.. However, the spouse plan increased from $47 to $147 dollars a year on the annual elite plan. - Only company to include spouse and children under 18 when defending themselves inside your house (NRA Carry Guard covers spouse); additional fee for others. And now I hope to answer some of yours! The language that is being referred to is between our Insurance Company and the USCCA. USCCA vs NRA : CCW - Reddit However, the latter provided coverage that was available for both in-home and outside the home. 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 steven weber have a brother; charlie bears lantern; My Cart. Regardless of who you think you are, if you shoot someone, you are going to need help. Just curious, but what coverage plan did you choose from USCCA? Last up is what exactly is deadly force and what happens after a defensive gun use (lawyers, cops, phone call, and family plan). Why are the comments gray text on light gray background? The only disadvantage is that it might be a little pricey in terms of the annual rate. Save my name, email, and website in this browser for the next time I comment. Second, we see USCCA offers $750/day compensation while in court with CCW Safe giving $350/day. Sorry to go on like this but you will not believe what you will get for your money. Thank for the info. 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'm not associated with them, just a satisfied member. As a reminder, the Carry Guard Insurance program is no longer available. How Much Does Us Law Shield Cost - malcolmmackillop 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. My gut says yesbut I'd confirm with USCCA just to be sure. Best.". 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. You are probably after the most cost effective option at this pointbut the courses are decent and you have a very nice 365-day guarantee. This video compares the USCCA, NRA Carry Guard and US Law Shield concealed carry insurance programs to help you decide which is the best choice for your CCW . USCCA Self-Defense Insurance Review for Gun Liability - ValuePenguin Are they located in one of the states that is tightly regulated, such as New York or California? This kit includes the eLearning Training and Instructor Toolkit. So if bail is set at $1,000,000 the fee the bondsman would generally charge is $100,000. I would get the Platinum tier to start so I have access to Proving Ground and Level 2 Protector Academy. First difference between USCCA and CCW Safe First, CCW Safe offers you $100,000 in bail coverage under the shown plan, while USCCA offers $50,000. Firearms Legal Protection Vs Uscca - isalegal Details here. This is the highest level package of the insurance program. Hope this helps! There's tons of emails but I still at least open them to see what's going on. Theres small additional training thats added every month and also a Ask an Attorney series. Otherwise Platinum is a good middle-ground for more info. I get emails of signups from USCCA and then auto-send coupon codes every 2-3 weeks so please have patience! They dive into all the malfunctions with actual on-the-range footage. I have a significant practice as an expert witness regarding insurance coverage disputes. Not only was it not fixed, my account was deleted. Which you choose could make a HUGE difference in your immediate out-of-pocket expenses. Your the best, Eric. No limit on lawyer retainer and all funds are up front and don't need to be reimbursed. I signed up with them when you guys first reviewed them a while back and have not regretted it. Lastly, theres the LaserTRAIN course which uses a SIRT laser pistol. I also like how in the course they really hammer in the firearm safety rules. What you share is re-assuring; and I was pleased that you re-enforced it.. - $135 first year, $95 year thereafter And easy-to-remember acronyms like ABC (airway, breathing, circulation). 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). I like the fact I can cancell, ifI really need $. CCW Safe vs USCCA [2021]: Detail Comparison | Firearms Land I sent three e-mails, each about a week apart, asking them to fix the problem. I'll need to re-read CW Safe to see if they have the same clause. When it was around, Carry Guard did not have a Money Back Guarantee. The two largest companies in this space are U.S. (, We noticed that you have previously logged in with your, Check what do you get by creating an account, Bookmark and compare your favorite firearms, USCCA Review [2023]: Coverage Details & What Tier to Get. "We do not Is USCCA an insurance policy? So I guess I'll update it soon :-). Thanks . In addition, the underwriters and agents on that program (all big companies) have agreed to pay millions of dollars in penalties. What did I miss? Does USCCA no longer offer the Silver plan? I just joined, and now that I see that language in the agreement, I may cancel. The others didn't have what seemed like as well thought out a business plan. They informed me of this last month. Much better b-roll for this course. I do remember signing up with LS in about '14 or '15. 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??? What benifit do you see in Carry Guard over USCCA? Learn more at. Keep up the great work. In the article you explain that It's the same with vehicle and home owners insurance or renters insurance. -- No limit - criminal / No limit - civil for CCW Safe, and US Law Shield, I am retired LEO but have been out of it 20+ years. Please note that traditionally the fee paid to a bondsman is 10% of the value of the bond. CS reps said they did not know but sure that someone at USCCA does as this is how the monthly/annual rate is set. I'm very interested to dig into the details of the policy. 4 a : a place of origin Youll still have your insurance regardless of what plan. I soaked up as much information as I could online, at competitions, and from tinkering in my workshop. They certainly don't deserve even one star. It is interesting that I would not be getting my own insurance policy, but would become an insured on their policy. The difference if there's a loss I/e vehicle or property your not going to jail. I say, NO! You only give out the free lessons to FULL YEAR payor? Im a member of both organizations. USCCA vs. NRA Carry Guard One of the USCCA's most significant competitors is NRA Carry Guard, available through the National Rifle Association. I'm like you Eric, we get bombarded with emails daily from USSCA and I keep reading them. I wouldn't trust "Thetrace" to tell me where the bathroom was. I am down to USCCA and NRA carry guard. (NRA vs. GOA vs. FPC vs. Hi Jenny, thanks for bringing this up! $29 at USCCA Jump to Details Most Affordable Right to Bear Insurance Budget friendly with unlimited civil and criminal liability. Next up Im going to dive deep into are what other things you get with USCCAand what membership tier to get for your end goal. USCCA has been sued multiple times for failure to provide coverage. Glad to hear USCCA had your back. (NRA vs. GOA vs. FPC vs. Its good to think of it now before something bad happens! Good Luck & Stay Safe. At least offer as an additional/. NRA Carry Guard did not have this as part of their policy. Before getting into guns (again) and holsters (yay). I love their magazine; full of real time real world advice and lucid opinions. If we were both up in NY visiting family, would we be covered at home in NY? Plus the break-downs at the end are super helpful. uscca insurance lawsuit Their customers. Thanks Eric, and thank you for all of the great information you bring to us. Check your concealed carry permit reciprocity and learn about every state's concealed carry. Eric, Please clarify. I don't know; I think I may have gotten the wrong insurance for this year. I taught NRA BOPs for a few years before switching to the USCCA this year. Better make sure that your homeowner's liability policy covers intentional acts. Did you follow the advice on page 47 of the manual? In other words, if you happen to use a weapon of opportunity like a knife, a baseball bat, or any kind of object that is used as a weapon you will have the same coverage to you (regardless if it is a criminal or civil case). PS I did hear the Law Schield people speak in about 2015 and they were nice folks, they made their coverage sound interesting. But thanks for the rec! You cannot obtain any more discounts other than this. No gun give aways or free crap. CA #4272012. Thanks. Thank you for this. You will also have legal aid coverage of up to $100,000 in criminal cases and $500,000 in civil court. We will also make a decision about which one will be the best option for you between the two. However, the NRA discontinued the Carry Guard insurance program in 2017. NRA Alternatives: Pro-Gun & Special Interest Groups The prosecutor's budget is UNLIMITED. Great article. I rock with USCCA as well. You should be able to at least make a claim using the FOIA. I read your review on CCW SAFE and you said that it was your preferrred insurance plan. For 150$ more per year it basically doubled the coverage purchase helps support my work in bringing you more awesome gun and gear articles. If you want to learn more about the insurance part yourself see the full details here. 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. Why do you start new topics with the word, "so?" I would like to know if you have any alternatives for the state of New York if there's any. Armed Citizens (LDN) for the best value and educational materials: USCCA insurance holders will have peace of mind in knowing that as part of their insurance policy, they will receive liability for all their firearms that are stolen due to burglary, theft, or robbery. I also (thankfully) have no experience in that arena. Love the helpful tips and seemingly endless educational resources. I have purchases videos and books from them and found all of them to be top quality. I belong to USCCA for several years. Since you can upgrade or downgrade I would soak up the infosee if its worth the new stuff each month and then downgrade. NRA vs USCCA Self-Defense Insurance | Glock Talk It was an old plan that is no longer available. Unfortunately for NRA Carry Guard, discounts for these groups were not available. If members are not satisfied with the USCAA insurance program, they will get their money back without no questions asked. They also get into gun laws and the financial aftermath of what happens in a defensive gun shoot. I was just informed by USCCA that my membership could NOT be renewed any more because I am a NY State Resident. Another issue with USCCA is if I'm convicted or plea bargain, they won't pay my defense? Next course is a medical one in the same player format that goes over some useful info if youve never taken a med class before. USCCA versus NRA Firearms Training Looking at USCCA versus NRA, yes there are differences. The reasons should be obvious -- crime should not be rewarded. Subscribe to Pew Pew Tactical's sales and deals email. Highly recommend giving it a watch since the best defense is to never get into bad situations in the first place! TLS was the subject of a class action filed by Texas CHL holders. It was only $131.40 per year. Concealed Carry Association is trying to reach 1 million members by using a different message from that of the NRA. Heres the latest copy for me which goes in-depth into a case where a member actually used the insurance for a murder charge. Train like you will have to use your pistol and long gun, and hope that they will never be needed!!! This policy also gave spouses of the policyholder automatic coverage as well. I'll keep it up! Become an Instructor - Protector Academy The apparent lack of complete spousal coverage was why I went with Carry Guard.. That's why I picked CCW Safe who have no limits on defending you in criminal and civil courts. If not your umbrella has a few holes in it! I read up on this for way too long. -- scroll down: https://ccwsafe.com/permit-plans. I highly recommend looking into their coverage/price if you looking for protection. More importantly however can USAA opt to refuse further legal financial support if one refuses to "Take the Deal" ? 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). The Silver plan is no longer advertised, but is available if you ask for it when signing up by the phone. PLUSyou get access to my Beginner Handgun Course ($67 value) with any tier. 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). So, if you go to a jury trial, expect to pay for it yourself, whatever. 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. It gives you access to a 24/7 hotline that is teamed with concealed carry experts. Simply select a state. In place today are many training and education courses that ensure that you are practicing your right to concealed carry properly. 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. So it really depends on your county within California. Just signed up for the hold plan, thanks for the article better safe then sorry. All you really need is an umbrella insurance policy from your insurance agent. Hey Eric, I'm not super sure of the "average case" cost either since there are so many factorslocation, lawyer choice, booking, etc. Hi Fredd, thanks so much for sharing your story! Just to understand , you have to bond yourself self out of jail and pay a retainer to an attorney. US Law Shield vs USCCA [2021 Comparison] | Firearms Land Self-Defense Gun Owner Insurance Programs Compared I finally unsubscribed. And from a teacher's perspective, I think the organization of the teaching material is much easier to use in the USCCA courses than the NRA courses. NRA carry guard, from what I have read, is no longer available. I believe that I have what I need to make an informed decision. At this level, your legal aid will be covered up to $250,000 in criminal cases and up to $2,500,000 in civil suits. Talk to an attorney about whether shooting someone is an "intentional act" that would not be covered. Still, in the CCW sub and with a lot of good content. The first e-mail was polite, the next two were i increasingly angry. I worked in LE for 27 years and carried off duty. You have Kevin again learning about the fundamentals of handgunsbut also the caveats that separate a beginner from the more advanced. so DO read the Terms & Conditions before signing. My hope is I will never have to use/test it. In the insurance package; where if you PLEAD GUILTY OR FOUND GUILTY, you can be forced to repay everything back to the USCCA!! If I could give zero stars to the NRA, I would. I've read the policy and it does not say there is no coverage if you are found or plead guilty. Someone stated that specific umbrellas might cover accidents. Thanks. It takes a while since we do research and buy the coverage ourselves. Between work, chores and naps during TV moviesI 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). Nowback to USCCA! If there is one great perk for having concealed carry insurance, its getting discounts. One of those materials is a video course on when you should use deadly force. Thanks Eric! 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. 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. Sounds like this was written by some top salesperson for the company. US Lawshield didn't send me anything in the mail. Personalize your experience. Travel insurance is practically all profit. Hello Ken, This is truly everything is says. I always carry a knife, especially helpful where in a gun free zone. Both these large organizations have an impressive number of members and it is no surprise considering how comprehensive their insurance plans are. This write up convinced me to where I'm not a USCCA member. Since you CAN downgrade/upgradeit might be worth it to start with Platinum, watch all the Proving Groundsand then downgrade. There is some great training available using non-ballistic weapons and weapons of opportunity. Thanks! If thats the only thing you walk away withyoure still good. The full details of this story are yet unknown to the general public. Both are pricey. Another good series that puts gun owners in hypothetical AND real situationsthen answers their questions. You know the third paragraph. I am leaning to Carry Guard right now, but I was waiting to see USCCA insurance backer. Whenever I call they are very friendly, knowledgeable and have all my answers. USCCA VS NRA After stating concerns over USCCA's "programs," the NRA rescinded the United States Concealed Carry Association's invite to the NRA's Annual meetings taking place this week in Atlanta, Georgia. Disclaimer:The USCCA is not an insurance company. Especially good was how he broke down the main components of drawing from a holster.