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Hey folks, I've been seeing so many different threads across several forums recently pertaining to CCW insurance. Now I don't have it currently myself. And I'm really curious as to whether or not it's actually worth looking into. Or if just another gimmick like those concealed carry badges--that's a whole nother topic...

I've also been looking into what different companies provide if time proves I'm just being some skeptical butthole about the whole thing and need should pick it up. USCCA and CCW Safe tend to be the frontrunners. But again if I'm buying something just for the sake of having it, US Law Shield seems to be the least expensive option.

Where do you stand on this issue? And is it worth having in today's environment? I feel like if there ever was a time I'd have to actually discharge my CCW in my life, this current atmosphere holds the highest potential. And while I'd like to say I've prepared enough for the actual occurrence, I don't want to get screwed over after the fact.
 

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I don't like even talking about it. The anti's will make it mandatory and price us right out of our rights. The fear and digression of using a firearm may diminish as "what do I care, I have full coverage insurance" leaving the rest of us footing the bill with liability insurance.
This is not a car and let not even go near that scam.
 

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I have it and as with all insurance I sincerely hope it is money well wasted. I ended up with USCCA.
 

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I would love to have all my money back that I have wasted on auto ins, homeowners ins and farm equip ins. It's not a waste if and when you need it.
 

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For self-defense insurance I use USCCA (www.usconcealedcarry.com), and I highly recommend it. It may be a little more expensive than others, but I think their service is well worth it. They offer three levels of insurance: Gold, Platinum, and Elite. In addition, all three plans include Critical Response Team assistance 24/7/365, Attorney reference and coordination, Psychological support/counseling, and subscription to Concealed Carry Magazine.Their website has lots of other reference material, training videos, and links to additional training material. BTW, their magazine is outstanding!

I have the Platinum plan. For me, the critical item was the civil suit defense/damages funding. Lots of other insurance plans provide for criminal defense, but for civil lawsuits you're on your own. Withour litigious society, lawsuits are all too common, and this insurance covers both legal fees AND any damages awarded!


If I only have one phone call, it's going to be to the USCCA Critical Response Team. A call to them, anytime day or night, will get the ball rolling. They will arrange bail and contact your attorney. Don't have an attorney? They have a list of attorneys in your area that are experienced in self-defense law.

Also,don't rely on your homeowner's insurance, even if they say they cover you for self-defense. Usually they will only pay for attorney fees AFTER you are found Not Guilty. You have to pay all expenses up-front, and then try to get reimbursed after the verdict is in. And if you are found guilty of anything (murder, manslaughter, negligence, disturbing the peace, etc.), you may get nothing, even though it was your lawyer that convinced you to plead guilty to a lesser charge. The rules are different for each state, and each insurance company.

Many times whether you are found guilty or not guilty depends on:
1. Do you have a lawyer?
2. Is he a good lawyer?
3. Is he experienced in self-defense law?
4. Do you have the resources to hire a private investigator to search out details?
5. Do you have the resources to bring in "Expert witnesses" to testify on your behalf?
6. Do you have the resources to search firearm and self-defense case law throughout the country to use in your defense?
7. Do you have the resources to search firearms data that would aid in your defense?

These things are crucial, and an organization like USCCA can provide them.

Another thing: does your insurance cover you for appeals, or retrials.
Some only cover you for one trial, THAT'S IT!


And no, I am not a company spokesman; just a happy customer.
My advice: Go with the USCCA. Check out their website; I think you'll like it.


Another good self-defense insurance you might check out is CCW Safe. I've heard good things it.
This insurance is endorsed by attorney Andrew Branca, who wrote the book "The Law of Self Defense", and has a webite of the same name.

Whatever you choose, I recommend you get self-defense insurance.
 

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I carry Texas Law Shield. It is just like car insurance, you have it but hope you never have to use it.
 

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Discussion Starter #8
Hmm...thanks for the input fellas. Been digging around a bit more and. it looks like a toss up between USCCA and CCW Safe. They have one thing each that's super important to me. And that's the ability to select my own lawyer. Maybe it's just my nature...but I don't trust lawyers as far as I can throw em and I'm no Derek Poundstone (World's Strongest Man, anyone?). But if I do end up needing one, I'd like to have a real say in who it's going to be.

It looks like I'll have to pay a bit more for one of these, but it's cheaper than a box of ammo these days so...

I'll keep looking out for more info. Funny you should mention Andrew Branca, 777Driver. I recently came across an article written by Ryan Cleckner, another firearms attorney, (https://gununiversity.com/concealed-carry-insurance/ --for reference) and he also recommends CCW Safe. But again, I'm seeing a lot of great things from actual customers of USCCA. Either way, I've made up my mind and am going to pick something up.

I'll update once I've made my selection though.
 

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What ever plan you go with make sure it is what you think it is.

Some plans you front the money and if not found guilty will reimburse you.
Some plans have a board that decides if they will take the case or not.
Some plans cover you from the start.
 

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You need it as a precaution just like home and auto insurance. We all hope we never need to use it but glad if we do. I have uscca and some friends have us law shield. My thoughts are unless you have atleast 150k sitting around or lawyer's on retainer, you need it. You have to remember that even if it's justified, the bad guy's family will probably sue civilly.
 

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What ever plan you go with make sure it is what you think it is.

Some plans you front the money and if not found guilty will reimburse you.
Some plans have a board that decides if they will take the case or not.
Some plans cover you from the start.
This exactly :top:


You need it as a precaution just like home and auto insurance. We all hope we never need to use it but glad if we do. I have uscca and some friends have us law shield. My thoughts are unless you have atleast 150k sitting around or lawyer's on retainer, you need it. You have to remember that even if it's justified, the bad guy's family will probably sue civilly.
That all depends on what State you live in, in some State's if you are found not guilty in a criminal trial (or aren't even charged) a civil suit can not be filed against you.

OP, don't feel like quoting your entire post, but you commented that you're seeing a lot of "great things" from USCCA customers -
My question to you is, (outside of their marketing) How many of these customers you're seeing "great things" from have Actually had to use the "insurance" they purchased in a trial situation?
(if I'm not mistaken USCCA doesn't actually sell "insurance")

Also iirc there was an excellent comparison thread on the different offerings for coverage over on Defensive Carry - might be worth looking for (can't say how up to date it is now but still may be worth a look if you can find the thread)

Also, I'll throw another company into the mix (just stumbled across the fact that they cover firearm related stuff) https://www.xinsurance.com

As a note- I neither have coverage (from anyone) at this time, nor do I work for any of these groups
 

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You need it as a precaution just like home and auto insurance. We all hope we never need to use it but glad if we do. I have uscca and some friends have us law shield. My thoughts are unless you have atleast 150k sitting around or lawyer's on retainer, you need it. You have to remember that even if it's justified, the bad guy's family will probably sue civilly.
Not in my state. We have both strong SYG and Castle doctrines. And if you draw a no bill or if found not guilty you can NOT be held accountable in a civic case. Blam, blam no thank ya ma'am!
 

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I don't like even talking about it. The anti's will make it mandatory and price us right out of our rights. The fear and digression of using a firearm may diminish as "what do I care, I have full coverage insurance" leaving the rest of us footing the bill with liability insurance.
This is not a car and let not even go near that scam.
From what I've heard the anti's not only don't want it to be mandatory they don't even want it to be an available option for people. They hate it and have made efforts in the past to make it illegal to even get it, calling it such things as "murder insurance', etc.

Second, The company selling the product was offering “insurance products that encourage the improper use of firearms.”

On the surface, you probably find that laughable. I know, and if you are reading this you probably know also, that these companies in no way encourage the improper use of firearms. On the contrary, most of them actively preach gun safety principles and industry best practices. However, to understand the actual legal challenge you have to look deeper.
New York regulators, for example, say no insurer can provide criminal defense coverage for a person charged with a crime involving a firearm. Of course, last I checked one is supposed to be presumed innocent until proven guilty beyond reasonable doubt but you see how this is a little more complicated.
After all, these providers promote their product specifically to be there to cover you should you be charged with a crime. Inherently the product exists for those who are tentatively considered criminals by the state. I'm not siding with these regulators or justifying their actions. I'm just saying that fighting this legal battle is more complex than just confirming that one doesn't “encourage the improper use of firearms.”

https://www.concealedcarry.com/law/states-blocking-self-defense-insurance-and-what-to-do-about-it/
 

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It changes over time for political reasons. I've heard antis pushing a law requiring it to buy a gun, and anti attorneys general pushing to outlaw it.

Many umbrella policies cover civil liability, check with your broker.
 

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I used to give thoughts to CCW insurance.
Thing is, I realized that everything is a racket these days. Under the US constitution, you should be able to protect yourself along with being armed against tyranny.
So my conclusion is that I will never ask to be defended by a crooked money grubbing attorney so long as I live. If I have to defend myself, everyone is going down and no survivors. There will be no court date nor jail time. Just body bags and the clean up effort by the county. I won't even care what they say about me in the newspapers afterwards.
NO- I am NOT putting up any of my $$ to defend myself when I'm in the right and asserting my rights. To me that's just plain stupid.
Insurance?? Really? Seriously? Is that like buying extra insurance for uninsured motorists when by law all motorists need to carry insurance?
This country isn't socialist yet!
The notion of protecting oneself from a tyrannical government or against free to roam criminals with $$ is ridiculous.

Just my opinion.

Yes, I'm ready to defend myself.
Yes, I have no problem killing my enemies.
Yes, I think my own government is oppressing me.
Yes, I am willing to die for my rights and freedoms in a country run by criminals.
Yes, I will fight all enemies foreign and domestic.
 
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