Uscca membership? Is It needed?

[Yasharshad]

How much can you afford in attorney fees defending yourself in a criminal AND a civil case should you have to defend yourself with a gun?

Do you think right to bear is a sufficient insurance ?


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[GetMeCoffee]

Do you think right to bear is a sufficient insurance ?

If you have no assets, then you don't need insurance. Also, you'd need to make sure your defensive shooting is so clear cut that charges are not even considered.

However - if you need to mount a defense to charges, you'll want a resource that will guide you to an attorney and help you through the process - including financially.

If you have assets, then you'll need to cover those, including defending a civil trial. If no assets, then the other side likely won't bother you much.

[mk2dave]

Don't know if it matters, but USCCA is only 30 a month, 300 a year for Gold. The protection is the same for all three of their offerings, the more expensive offerings come with more training thingys.

Within reason, the decision to get "insurance" is more important than what insurance you get assuming you go with a top 3. But no one knows your situation, financial/emotional/mental. So you need to choose for you what best covers what you think is important. I'll get you the comparison thread for research.

The terms that you are unfamiliar with should be covered in your class. Don't worry about your insurance until after your class. I think you'll be better able to decide what is appropriate with the education from class.

[mk2dave]

I see you've already been to the comparison thread, so you are ahead of the game. Verify the info on that thread with the company you are interested in; I have found some information there outdated.

[Yasharshad]

Don't know if it matters, but USCCA is only 30 a month, 300 a year for Gold. The protection is the same for all three of their offerings, the more expensive offerings come with more training thingys.

Within reason, the decision to get "insurance" is more important than what insurance you get assuming you go with a top 3. But no one knows your situation, financial/emotional/mental. So you need to choose for you what best covers what you think is important. I'll get you the comparison thread for research.

The terms that you are unfamiliar with should be covered in your class. Don't worry about your insurance until after your class. I think you'll be better able to decide what is appropriate with the education from class.

Definitely getting the insurance. however, I will go with one of the cheaper of the 3 to be honest


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[Vinnie Boombatz]

I understand. Uscca is just soooo expensive. I was hoping someone can give me a less expensive but sufficient insurer


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I?ll echo again what someone else already said?do you know how expensive it would be to defend yourself in a California court if you short someone in self defense?

I chose CCW Safe over USCCA and paid extra for added civil liability coverage. A bit pricey, yes, but so are firearms, safes to store them in, training, etc.

[ProRoad]

Get something to cover your ***. I have CCW safe myself.

[benjamin101677]

I would never get the insurance as I think it would be a waste of money for the quality of lawyer you would probably get.

Years ago; I was a bailiff in court. A lot of the type of lawyer that these services will provided with be a "appearance type lawyer". There are attorneys that are willing to work for the payments a company like the CCW insurance will provide them. Usually these are not your best attorneys.

There are a lot of other good quality lawyers that when they walk into a courtroom the judge and everyone just treats them differently. If you have seen what I seen where when certain lawyers walk in the deputy district attorneys are afraid of them. These other "appearance type lawyers" don't have the same that ability.

I had a good family friend who was charged with a felony crime; I talked him into one of these better attorneys. The deputy district attorney were literally afraid of this attorney. The case went from DDA asking for prison time to the case getting dropped to a misdemeanor and only community service.

I know I am not going to change the view of some people on here about ccw insurance; and I am fine with that. Yet; in my opinion if your ever charged with a crime and your future, your life, your families life depend on the best defense you can put up you want the attorney that shows up in the Mercedes business with the several thousand dollar suits; not the attorney that shows up in the Kia with the suit off the rack from The Mens warehouse.

[Yasharshad]

But a lot of these insurers ( Even the cheaper ones) allow you to choose your own lawyer


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[Mute]

Do you think right to bear is a sufficient insurance ?


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Right to bear arms will not prevent you from getting charged with a crime regardless of whether it was self defense or not. It also won't prevent you from getting sued by the inevitably long line of surviving family members of the scumbag you had to defend yourself against. Understand this, statisically, if you shoot someone in self defense, your chances of facing some kind of legal defense (criminal or civil) will be quite high. This will be extremely costly. Even if you managed to win in court on all counts, you could find yourself facing financial problems. So again, think long and hard on this and make a wise, informed choice.

[Mute]

I would never get the insurance as I think it would be a waste of money for the quality of lawyer you would probably get.

Years ago; I was a bailiff in court. A lot of the type of lawyer that these services will provided with be a "appearance type lawyer". There are attorneys that are willing to work for the payments a company like the CCW insurance will provide them. Usually these are not your best attorneys.

There are a lot of other good quality lawyers that when they walk into a courtroom the judge and everyone just treats them differently. If you have seen what I seen where when certain lawyers walk in the deputy district attorneys are afraid of them. These other "appearance type lawyers" don't have the same that ability.

I had a good family friend who was charged with a felony crime; I talked him into one of these better attorneys. The deputy district attorney were literally afraid of this attorney. The case went from DDA asking for prison time to the case getting dropped to a misdemeanor and only community service.

I know I am not going to change the view of some people on here about ccw insurance; and I am fine with that. Yet; in my opinion if your ever charged with a crime and your future, your life, your families life depend on the best defense you can put up you want the attorney that shows up in the Mercedes business with the several thousand dollar suits; not the attorney that shows up in the Kia with the suit off the rack from The Mens warehouse.

You're making quite a few generalized assumptions here that simply aren't correct. Most of these CCW memberships allow you to choose your attorney, so it's not some guy in a cheap polyester suit, driving up in a Yugo. Second, even if you manage to get the best attorney, how are you going to fund his fees? As far as I know, the best attorneys don't work for free. A majority of these CCW membership organizations have a network of attorneys who are experienced in defending shooting and self defense related court cases and may in fact be better than one you can find on your own.

[Yasharshad]

Right to bear arms will not prevent you from getting charged with a crime regardless of whether it was self defense or not. It also won't prevent you from getting sued by the inevitably long line of surviving family members of the scumbag you had to defend yourself against. Understand this, statisically, if you shoot someone in self defense, your chances of facing some kind of legal defense (criminal or civil) will be quite high. This will be extremely costly. Even if you managed to win in court on all counts, you could find yourself facing financial problems. So again, think long and hard on this and make a wise, informed choice.

So right to bear arms is not sufficient? Which plan is sufficient? I see many people going with CCW safe


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[dawgcasa]

If you own a home, it is also a very good idea to add a supplemental umbrella liability policy on top of your home owners insurance. This provides extra liability coverage above and beyond your base auto and home policy limits. A $1M umbrella policy costs me an additional $268/year. The intent is to protect assets like our home and our retirement savings from a catastrophic liability event. Given that even a legitimate, responsible self defense shooting (where you are not charged with anything) can still expose you to a civil lawsuit, having that extra liability backstop provides me some extra peace of mind for a modest price.

[Mute]

So right to bear arms is not sufficient? Which plan is sufficient? I see many people going with CCW safe


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I'm not understanding your question. What do you mean by right to bear arms? USCCA has three different membership tiers (Gold, Platinum and Elite). All three have the same amount of liability and monetary coverage. CCW Safe has 7 different plans offering multiple levels of coverage, which you should review and make a determination for yourself. Many choose CCW Safe because it appears to offer better overall coverage with less small print that could potentially affect the coverage.

[anonymous308]

You're making quite a few generalized assumptions here that simply aren't correct. Most of these CCW memberships allow you to choose your attorney, so it's not some guy in a cheap polyester suit, driving up in a Yugo. Second, even if you manage to get the best attorney, how are you going to fund his fees? As far as I know, the best attorneys don't work for free. A majority of these CCW membership organizations have a network of attorneys who are experienced in defending shooting and self defense related court cases and may in fact be better than one you can find on your own.

Agreed 100%.

I have USCCA and preselected an attorney. I hope I never have to use their services but they are very reputable and have represented numerous self defense and OIS cases.