CCW Insurance comparison chart

[WingDings]

Originally Posted by pklin1297

What about Firearms Legal Protection on this chart? Other than Civil Damages, it seems to rank up there with CCW Safe with regards to other criteria?

I’m with FLP. Here’s a rundown of their benefits.

Basic Individual Coverage (12.95/mo)

—Provides Contracting Attorney for a criminal investigation or proceeding or civil lawsuit arising from a Use of Weapon Incident (the legal representation extends to and includes a trial and retrials). It does not include court costs, court reporter fees or other fees, costs or expenses. It does not include appeal of a trial court’s judgment nor any legal fees or other costs.

—In the event that a Member becomes a respondent to, or the subject of, a validly issued Extreme Risk Protection Order, we will provide the Member with a Contracting Attorney to represent the Member in any legal proceeding resulting from the issuance of such Order. The maximum amount that we will pay to the Contracting Attorney on behalf of the Member is $5,000.

Premium Individual Coverage ($21.95/mo)

—If the Contracting Attorney determines a necessity for an expert witness or investigator, FLP will pay up to a total of $5,000 towards expert witness fees and expenses.

—FLP will pay the premium for a bail bond from a licensed bail bond service for a bail bond with a face value up to $250,000.

—FLP will Facilitate on any claim or request for the payment to a Member of wages that the Member lost arising out of the time that a Member is required by a court or tribunal to attend trial regarding a Use of Weapon Incident up to $300 a day for lost wages, up to a maximum of $1,500.

—FLP will Facilitate the clean up of any biological hazards (i) at a Member’s place of residence if the residence was the scene of a Use of Weapon Incident, or (ii) away from a Member’s residence if the Member is legally responsible for cleaning up biological hazards at the scene of a Use of Weapon Incident up to a maximum of $2,500.

—FLP will pay for a confiscated / replacement Firearm up to $1,000.

—FLP will Facilitate mental health counseling services for the Member in regard to the Member’s involvement in a Use of Weapon Incident or pay for the Member’s requested mental health counseling services up to $125 per counseling session, subject to a maximum benefit for all Members of $2,500 if done on own terms.

[wentbig]

Ca. home owners have liability coverage to $500,000.
This coverage will defend you in the event
the guy you shot tries to come after you.
For $60.00 you can up it to $1,000,000.
Talk to you insurance company.

[maxit]

Is US Law Shield on this?
I butt dialed twice and a lawyer answered immediately. The second time I hung up quickly. And a lawyer called back instantly.
Here’s their number.
877.448.6830.
You’re gonna thank me.


Sent from my iPhone using Tapatalk

[maxit]

Originally Posted by glock_this

This is going to be my next read. As much as I hate Insurance & the whole concept of it - that is given how much we pay and never really call upon it - I'm going to look into it for my CCW.

I agree, dislike insurance : its a reaction to fear.
however anything less than firearm insurance will not defend a person if found guilty in a court. which can happen, oye!

[mbison83]

This is what sold me on CCW Safe Protector Plan and it's only $149/yr:

-Access to our 24-hour emergency hotline
-Critical Response Team on site
-$500,000 bail coverage
-Vetting of Attorneys by National Trial Counsel
-Unlimited Attorney fees covered up front
-Unlimited Investigators covered up front
-Unlimited Expert Witnesses covered up front
-All trial fees covered up front
-Firearm Replacement during trial
-Spouse and children under 18 covered in home only
-Up to $250 a day work loss while in criminal or civil trial
-up to 10 sessions (up to $1,500) for a licensed counselor
-up to $3k for crime scene clean-up home*
-Appeals and expungements covered

[micro911]

Originally Posted by wentbig

Ca. home owners have liability coverage to $500,000.
This coverage will defend you in the event
the guy you shot tries to come after you.
For $60.00 you can up it to $1,000,000.
Talk to you insurance company.

I have $1 million liability coverage. I wonder if I need another policy for the CCW liability.

[MacFly]

Originally Posted by Slater1

I just got off the phone with Lockton Affinity NRA/Carry Guard and was told:

"State of California does not allow us to pay up front for bail and for attorney retainer." Nothing upfront allowed by California law.

Originally Posted by Slater1

I talked to Carry Guard the other day and they said to me "California will not allow us to pay any legal fees, bail, etc., until after adjudication of the case." So you are correct "no up front fees." Too bad they did not tell me that last year when I purchased the policy.

I'm debating between CCW Safe or USCCA, but have we figured out if CA is allowing these companies to pay fees upfront?

TIA.

[Califpatriot]

Originally Posted by wentbig

Ca. home owners have liability coverage to $500,000.
This coverage will defend you in the event
the guy you shot tries to come after you.
For $60.00 you can up it to $1,000,000.
Talk to you insurance company.

Huh? There's generally an exclusion for intentional use of a firearm, even if in lawful self defense. If your policy doesn't, which is it, because I want it.

[BAJ475]

Originally Posted by Califpatriot

Huh? There's generally an exclusion for intentional use of a firearm, even if in lawful self defense. If your policy doesn't, which is it, because I want it.

Consider the following. You honestly believe that you or another person is in eminent danger of death or great bodily injury. You draw your weapon and intentionally shoot the attacker to prevent harm to yourself or another innocent person. At your trial the issue would be: Would a reasonable person believe as you did. Let’s say that this is an open question and the prosecutor, believing that he or she could easily loose, offers you a plea bargain where you plead to a misdemeanor with no jail time in lieu of going to trial where you face a felony conviction and substantial time in prison. Next, assume that your very competent defense attorney advises you to take the plea in order to avoid risk of going to trial and the jurisdiction allows, and the prosecutor will agree to, an Alford plea (you plead guilty or no contest while proclaiming your innocense). Will your plan, insurance or membership still cover your costs and expenses if you accept the prosecutor’s offer? What about a subsequent civil case? If the answer is that your plan, membership or insurance will not provide coverage in this situation, it is my opinion that you are buying a pig in a poke.

[maxit]

Originally Posted by micro911

I have $1 million liability coverage. I wonder if I need another policy for the CCW liability.

short answer yes; my .02c US & Texas answers phone with a lawyer every time i make a bump call.

[stylehead]

Thanks for the info

[mi4]

Originally Posted by wentbig

Ca. home owners have liability coverage to $500,000.
This coverage will defend you in the event
the guy you shot tries to come after you.
For $60.00 you can up it to $1,000,000.
Talk to you insurance company.

Thanks for the info. I will ask my home insurance agent about the liability coverage. Another question, for people who don't have a CCW, if they have to defend themselves in their vehicles when transporting firearms, what insurance could be useful?

[md97]

Originally Posted by BAJ475

Consider the following. You honestly believe that you or another person is in eminent danger of death or great bodily injury. You draw your weapon and intentionally shoot the attacker to prevent harm to yourself or another innocent person. At your trial the issue would be: Would a reasonable person believe as you did. Let’s say that this is an open question and the prosecutor, believing that he or she could easily loose, offers you a plea bargain where you plead to a misdemeanor with no jail time in lieu of going to trial where you face a felony conviction and substantial time in prison. Next, assume that your very competent defense attorney advises you to take the plea in order to avoid risk of going to trial and the jurisdiction allows, and the prosecutor will agree to, an Alford plea (you plead guilty or no contest while proclaiming your innocense). Will your plan, insurance or membership still cover your costs and expenses if you accept the prosecutor’s offer? What about a subsequent civil case? If the answer is that your plan, membership or insurance will not provide coverage in this situation, it is my opinion that you are buying a pig in a poke.

This is the scenario I'm concerned with, and having a hard time getting answers for. Plea deals like this are the bread and butter of our legal system these days.

I read somewhere that civil liability from a convicted (or plead?) crime, cannot be insured legally. I haven't confirmed that, but would like to.

[Alexandre]

If you're planning to sign up with USCCA, check this video out to see recent changes:
https://www.youtube.com/watch?v=uNIDvf9Oov0

PS: I didn't sign with this company from the video (attorneys on retainer). As soon as I got my permit I signed up with CCW safe at the very same day (IMO no brainer decision if you compare the benefits).

[Big Jake]

Originally Posted by Alexandre

If you're planning to sign up with USCCA, check this video out to see recent changes:
https://www.youtube.com/watch?v=uNIDvf9Oov0

PS: I didn't sign with this company from the video (attorneys on retainer). As soon as I got my permit I signed up with CCW safe at the very same day (IMO no brainer decision if you compare the benefits).

What is truly a no brainer is to buy both. I have both and I sleep better at night!

[BAJ475]

Originally Posted by md97

This is the scenario I'm concerned with, and having a hard time getting answers for. Plea deals like this are the bread and butter of our legal system these days.

I read somewhere that civil liability from a convicted (or plead?) crime, cannot be insured legally. I haven't confirmed that, but would like to.

There is a general prohibition on providing insurance coverage for intentional wrongful acts. I am presently arguing this issue with the state of Washington Insurance Commissioner. He has taken the position that Washington law prohibits all coverage for intentional acts. The problem is that the case he cited for this proposition did not make any such finding. The Washington Supreme Court found that there was no coverage in an intentional shooting case (civil wrongful death) on a finding that the policies expressly excluded coverage of intentional acts, regardless of they were wrongful or not. There was no indication that the shooter had been convicted of anything or even tried in a criminal case. The Commissioner also finned USCCA for selling insurance in Washington without permission to do so. He attempted to fine CCWSafe who refused to pay. They argued that they were not selling insurance. After a year they finally gave up and stopped providing coverage in the state of Washington. The only company that will purportedly do so is U.S.LawShield. This is important to me because I live about 25 miles from the Washington Idaho boarder and can lawfully carry there based on my UT permit, my enhanced Idaho permit and my WA permit. The Commissioner acknowledged that their laws and regulations have no effect on me in Idaho, but added that Washington law would prohibit any carrier I had in Idaho from providing defense cost coverage for any incident that occurred in the state of Washington. He has not yet cited any authority to back up that claim.

[BAJ475]

Originally Posted by Big Jake

What is truly a no brainer is to buy both. I have both and I sleep better at night!

And neither are any good in the state of Washington, in case you have a permit that is valid there.

[Big Jake]

Originally Posted by BAJ475

And neither are any good in the state of Washington, in case you have a permit that is valid there.

I do have permits that are valid in the State of Washington. I did not know that and this is good information to know. Thank you.

[mi4]

I was told by USCCA agent that all three levels of USCCA membership have the same insurance coverage. Is that true? If so, the cheapest one would be $24.92 per month?

[1911-CV]

Yes (according to their website https://www.usconcealedcarry.com/membership/). $2M Civil and $250K Criminal defense coverage.

Note, there has been concern expressed that $250K may not go far... YMMV

[mi4]

Chat with both USCCA and CCWSAFE. It seems CCWSAFE has better coverage for home defense plan without CCW in civil damage and criminal defense, but does not have red-flag coverage.

CCWSAFE agent told me they can pay upfront and the customers won't have out of pocket expense. Not sure if that is true.

[recoil]

I looked through our liability insurance umbrella policy from Liberty Mutual, and it includes up to $2 million in coverage for claims against us for bodily harm incurred while we are defending ourselves from such acts. I'm going to get the CCW safe program since it's better by comparison.

[green grunt]

tag it for info

[insuranceman]

Originally Posted by Megalomegalodon

Found this pretty good in comparing insurance companies.

https://www.concealedcarry.com/self-...rams-compared/

I use US LawShield. They are a complete self defense insurance program. No CAPS,LIMITS, Or DEDUCTIBLES.

The members are covered in any self defense incident starting with a fist all the was up to pulling the trigger and everything in between.

Coverage starts at $10.95 per month / $131.40 per year. Pricing is guaranteed for the life of the membership.

If anybody would like more information call Jim 951-202-9033

[insuranceman]

Originally Posted by mi4

I was told by USCCA agent that all three levels of USCCA membership have the same insurance coverage. Is that true? If so, the cheapest one would be $24.92 per month?

Try US LawShield. One tier with no Caps, Limits, or deductibles.

you can Jim with any questions. 951-202-9033

[mi4]

One question was brought up by an attorney friend. Is there any contract between the company and the customer/member? If there is not, legally there would be no guarantee that the "insurance" will help after a self-defense incident.

[Mrpetersen83]

Anyone use legal shield? How do they compare?

[anthracite]

Originally Posted by Big Jake

Why anyone is wasting their time doing comparisons is beyond me?

I have both CCWSAFE as well as USCCA at the highest coverage levels. I sleep better at night having both especially being in California. Spend the money and get both. It is only expensive until you need it!

Big Jake, how does having two separate companies work? Pick the one that best suits the situation?

Originally Posted by MacFly

I'm debating between CCW Safe or USCCA, but have we figured out if CA is allowing these companies to pay fees upfront?

TIA.

Looking into this as well.

Originally Posted by Alexandre

If you're planning to sign up with USCCA, check this video out to see recent changes:
https://www.youtube.com/watch?v=uNIDvf9Oov0

PS: I didn't sign with this company from the video (attorneys on retainer). As soon as I got my permit I signed up with CCW safe at the very same day (IMO no brainer decision if you compare the benefits).

Video does not work. Anyone know what video it was?

Originally Posted by mi4

I was told by USCCA agent that all three levels of USCCA membership have the same insurance coverage. Is that true? If so, the cheapest one would be $24.92 per month?

Correct, the different tiers is only for additional access to Training, Videos, Archives, etc (non-insurance related information, but quality info from what I have been told by people who use them as their carrier).

[Big Jake]

Originally Posted by anthracite

Big Jake, how does having two separate companies work? Pick the one that best suits the situation?



Looking into this as well.



Video does not work. Anyone know what video it was?



Correct, the different tiers is only for additional access to Training, Videos, Archives, etc (non-insurance related information, but quality info from what I have been told by people who use them as their carrier).

How does it work?

I do not understand your question. If the unthinkable ever happens it is better to have two companies to cover you than one. You would contact both companies and let them worry about how that works. I sleep better at night having both!

[Sac The Queen]

USCCA is crap. They'll sue you to recoup payments made to you if you're found guilty in court or if you accept a plea deal. Their coverage is dog***** compared to CCW Safe.

I only joined USCCA last year because CCW Safe would not take me on as a member. Why does nobody ever discuss these things? I found out the hard way. CCW Safe eventually accepted me, and I'm going to dump USCCA like a bad habit when my year is up with them.

[WinchesterBolt]

As far as I can tell, CCW Safe and USCCA are doing somewhat different things. CCW Safe is focused on unlimited legal and other assistance if that's ever needed, with civil liability coverage available as an add-on. USCCA has less coverage for legal fees (capped), but includes liability coverage and educational content.

[Eat Dirt]

Great Info , Thanks

And a lot of good replies also , whole thread worth reading

[anthracite]

Originally Posted by Big Jake

How does it work?

I do not understand your question. If the unthinkable ever happens it is better to have two companies to cover you than one. You would contact both companies and let them worry about how that works. I sleep better at night having both!

Hi Big Jake. I understand you sleep better at night with having both policies. That's great, but ideally spending $1k on two policies is not in everyone's financial means. From my understanding with insurance in general (and I could very much be wrong since it's been 10+ years since I studied insurance in college), if there are two policies the second one's coverage does not kick in until the first one is maxed out. But in a situation where there is a legal battle going on, I would think the secondary policy would not want to jump in after the primary is maxed out if they are unhappy with how litigation has been handled thus far. For example, if I pick USCCA to be my primary and legal fees ends up maxing out before it is resolved, I would think CCWSafe would tell me to go kick rocks when asked to pick up where USCCA leaves off.

Originally Posted by Sac The Queen

USCCA is crap. They'll sue you to recoup payments made to you if you're found guilty in court or if you accept a plea deal. Their coverage is dog***** compared to CCW Safe.

I only joined USCCA last year because CCW Safe would not take me on as a member. Why does nobody ever discuss these things? I found out the hard way. CCW Safe eventually accepted me, and I'm going to dump USCCA like a bad habit when my year is up with them.

Sac the Queen, do you have an article referencing USCCA suing a policy holder? When searching online, it was the other way around. All I found were a couple articles of members doing the suing to USCCA.

Also, please elaborate (if possible) on why CCWSafe would not take you on as a member at first.

Originally Posted by WinchesterBolt

As far as I can tell, CCW Safe and USCCA are doing somewhat different things. CCW Safe is focused on unlimited legal and other assistance if that's ever needed, with civil liability coverage available as an add-on. USCCA has less coverage for legal fees (capped), but includes liability coverage and educational content.

WinchesterBolt that is a very good observation, I did not notice that.

[Big Jake]

This truly is not that complicated. Both policies have benefits. CCW SAFE is not an insurance policy. It will reimburse for expenses after the fact so the issue you are referring to in regards to one policy kicking in after the other does not apply here. As far as not being able to afford both policies how much is your freedom worth? It is only expensive until you need it. Give up something else, get a second job, or whatever and find a way to pay for both as it really isn't that expensive!

[Heckler&Coke]

Originally Posted by Big Jake

This truly is not that complicated. Both policies have benefits. CCW SAFE is not an insurance policy. It will reimburse for expenses after the fact so the issue you are referring to in regards to one policy kicking in after the other does not apply here. As far as not being able to afford both policies how much is your freedom worth? It is only expensive until you need it. Give up something else, get a second job, or whatever and find a way to pay for both as it really isn't that expensive!

https://www.youtube.com/watch?v=bRtg2QFtveI

"We pay for services upfront, as we go, through the process. We are NOT a reimbursement. You hit the nail on the head, who has hundreds of thousands of dollars sitting around for defense costs. Our members never receive a bill or invoice from attorneys, experts, etc. those are all paid by us."

This was a reply from 3 years ago by CCW Safe. If you scroll through the comments section you will happen upon it. I've been doing my own research and so far CCW Safe looks like the winner.

[Big Jake]

Originally Posted by Heckler&Coke

https://www.youtube.com/watch?v=bRtg2QFtveI

"We pay for services upfront, as we go, through the process. We are NOT a reimbursement. You hit the nail on the head, who has hundreds of thousands of dollars sitting around for defense costs. Our members never receive a bill or invoice from attorneys, experts, etc. those are all paid by us."

This was a reply from 3 years ago by CCW Safe. If you scroll through the comments section you will happen upon it. I've been doing my own research and so far CCW Safe looks like the winner.

They are BOTH winners. Get both policies. Why make comparisons? Just buy both and be done with it!!

[Danodog]

Originally Posted by SkyHawk

Attorney Andrew Branca chose CCWSAFE for his own legal protection. That is a pretty solid endorsement.

Not sure how long the code is good for, but you can save 10% on a membership with code LOSD10

This code still works. I just bought my Ultimate membership tonight.

[Trippin41]

Originally Posted by Danodog

This code still works. I just bought my Ultimate membership tonight.

Thanks for the code. I bought the Ultimate as well.

I found this chart helpful.
https://www.concealedcarry.com/self-...rams-compared/

[SkyHawk]

Originally Posted by Danodog

This code still works. I just bought my Ultimate membership tonight.

Originally Posted by Trippin41

Thanks for the code. I bought the Ultimate as well.

I found this chart helpful.
https://www.concealedcarry.com/self-...rams-compared/

[steelholder]

Any opinions on having to pay back fees if you lose with ccw safe vs uscca