The organization was founded in 2003 by Tim Schmidt, who still serves as the founder and president. I just joined uscca but unfortunately did not see this site first. They wonder what this insurance covers that would not be covered by other general liability insurance such as an umbrella liability policy. Discounts and free shipping at their store. Its a series of front-facing discussion, top-down views, and pictures of important concepts. Dont forget about fire! They dive into all the malfunctions with actual on-the-range footage. All USCCA members become insured on the self-defense liability insurance policy issued to the USCCA*. And you shouldwith both my course AND USCCAs course! Talk to an attorney about whether shooting someone is an "intentional act" that would not be covered. These offers change every month or so and Ill do my best to keep on top of them. Great to hear of your positive experience! This is the highest level package of the insurance program. Does it cover bail bonds? It just says that is where the obligation to pay for or reimburse defense costs ends. Once you log onto the USCCA siteits a little overwhelming with all the stuff. 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. So, if you go to a jury trial, expect to pay for it yourself, whatever. 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. etc.) Next up is the Childrens Firearm Safety & Fundamentals series which is great for parents of young ones like myself. Dont worryIll go over all the major points and differences between each tier. 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! On the surface it seems like another rehash but there were some good tidbits. Section 1 Coverages, Lisa, Corrine and Jennifer. Thanks for the article. Comparing CCW Safe VS USCCA: Which is Our Top Choice? USCCA vs NRA : CCW - Reddit Hey Eric, I'm not super sure of the "average case" cost either since there are so many factorslocation, lawyer choice, booking, etc. Thank you so much for this article. No limit on lawyer retainer and all funds are up front and don't need to be reimbursed. 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. As of February 2019, the organization has over 400,000 members. major typossorry. PS I did hear the Law Schield people speak in about 2015 and they were nice folks, they made their coverage sound interesting. That source is a Bloomberg anti-gun rag. That's why I picked CCW Safe who have no limits on defending you in criminal and civil courts. How Much Does Us Law Shield Cost - malcolmmackillop But that Protector Academythats the good stuff. Also remember that insurance policies are a "contract of adhesion". 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. USCCA also allows ANY attorney to be a part of their program. Thanks for this post. You should write an article on that comparison as well. And like youI wanted to make sure I had the best. They said the USCCA based class material was FAR more complete and went into so much more depth than the NRA system. But for those who are looking for that AND educationits a question of how much you want to learn. Travel insurance is practically all profit. As a Member, they are not the policyholder, the USCCA is the policy holder. Interesting and great reaffirming article! I have purchases videos and books from them and found all of them to be top quality. They were the best then and still are today. The unfortunate thing is at the end of the post appears to be your disclaimer These guys have too many restrictions. That gives you some good training setup insight. Yup, as far as I know it does. (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.). I get emails of signups from USCCA and then auto-send coupon codes every 2-3 weeks so please have patience! 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. The Silver plan is no longer advertised, but is available if you ask for it when signing up by the phone. I will be joining USCCA on my next payday. But it will cover you beyond that. Best Concealed Carry Insurance (2023) | Concealed Carry Society Hope this helps! 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)? Portuguese products available Online we mail to all lower 48 states. You can find that hidden gem on Page 11, Section I (as in "eye') Sub Section 1. Seriously, although I do support the NRA, theyre late comers and were so rude to the USCCA it was ludicrous. Much better b-roll for this course. 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. Get proficient on YOUR time. 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. I think that it was great information. 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 legal protection. travel symbol copy and paste Your the best, Eric. The policy covers everything (up to policy limits) up to the end of the case (but not including appeals). Their member portal is REALLY weak. At the same time, members of law enforcement, military, and even families are entitled to discounts on insurance policies and other products and training with the USCCA. The price is $47 a month or $497 annually. The NRA is the National Rifle Association. Here is the problem.. What happens when the DA offers that famous Deal.. I'm very interested to dig into the details of the policy. This also included legal coverage of up to $150,000 in criminal court cases while civil case coverage was guaranteed up to $1,000,000. Besides the beautiful color glossy magazine you get the digital version of all past issues free. I was just informed by USCCA that my membership could NOT be renewed any more because I am a NY State Resident. They certainly don't deserve even one star. This sucks, as I am a lifetime member. Where is the company located? 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). I have USCCA the million dollar plan.. But its the Proving Ground that makes it worth the jump. Click below for a FREE LESSON! Theres small additional training thats added every month and also a Ask an Attorney series. However, neither the PPin the Home or CCHDF are "shooting" classes. Both the USCCA and NRA are connected to numerous attorneys across all 50 states, providing you with the best legal protection you need to ensure that you lawfully and legally exercised your right to bear arms. A policy has been issued to the USCCA. Check your concealed carry permit reciprocity and learn about every state's concealed carry. I researched them all and I've been with CCW Safe for 5 years. I have been carrying here in Illinois pretty much since the law was passed here and have been thinking about getting coverage. Become an Instructor - Protector Academy But if you really like to learn everything you cant go wrong with Elite. Get Our Top Shooting Drills and Zeroing Targets ($47 value - but FREE for a limited time). 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. But you may have just enough time to make a quick decision on how you will defend yourself. Don't get me wrong as I think USCCA has lots of benefits to offer but I also would love to see the numbers. In legal terms, that means that you have no real right to negotiate the wording. I have a $1 million personal liability with my homeowner's insurance policy, and think I will simply stick with that. Nowwhat about the next membership tier up? I finally unsubscribed. However, the gold plan is better for $2 more a month. Now, lets take a closer look at both of these organizations and how the best serve concealed carry permit holders like you. 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. Become A USCCA CCW Certified Instructor | Armed2Defend I have live in VA and I use USlawshield/ Texaslawshield. That goes double with insurance. I'm a member for over 8 years and will continue to be a member for years to come. This is a huge deal and ultimately what sold me on their plan. I think it's the best deal out there, also. I chose USCCA last week for all the same reasons you mentioned. Another good series that puts gun owners in hypothetical AND real situationsthen answers their questions. IF so, what did they say? I missed an edit when they changed their plans. It is emontially painful. Most of these training courses are also based in local areas and taught by NRA certified instructors. 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. 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. What benifit do you see in Carry Guard over USCCA? If you do, well be the first on the scene to ensure that your bases are covered. I would like to see a copy of the actual policy. Well be comparing the two organizations and their concealed carry insurance plans. I soaked up as much information as I could online, at competitions, and from tinkering in my workshop. If I didn't have to worry about getting busted and losing my license for selling it, I would open the insurance company myself. I just checked with USCCA and they offer full coverage for the spouse for an extra $47. Please consider editing the article to be more accurate. The NRA is the largest and oldest gun rights organization in the country. And if you sign up for Platinum or Elite membership youll also get a survival kit. Not saying its bad infosince its really good mindset stuff. Its good to think of it now before something bad happens! 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. (NRA vs. GOA vs. FPC vs. We'll only use the information provided according to our privacy policy. The additional Level 3 Protector Academy courses are quite goodas well as the three additional standalone courses that get much more in-depth. Very few non law enforcement/ LEOSA CCW permits here. For example, the coverage for legal cases where a weapon of opportunity appears to be an unprecedented perk. It was founded in 1871 and has millions of members. That could be just about everything, or everything, depending on the situation. Is it going to pay if you're found guilty of negligence? Both CCWSAFE and US LAWSHEILD had comprehensive replies to my questions within 36 hours. The U.S. Concealed Carry Association Woos NRA Members With A Focus On "We do not This could put you in a situation where the firearm may be traced to you and put you in a legal situation you never want to put yourself in. #2. Apparently I glossed over that information. First. I had it for a year, but dropped it. It was only $131.40 per year. I have been a Life Member of the NRA for over 20 years. Simply select a state. They dispatch a support person directly to the site when possible. It runs normal people through real-life scenarios. While it might be obvious which one is better, it is always important to have concealed carry insurance so you are always prepared for what will happen next should you ever use your concealed carry pistol in an act of self-defense or stopping a deadly crime from happening. Hey Sandra, I tend to write how I speak. Eric, great job as always! Eric, Thank you for this. One is that they may not be able to pay their claims, or may simply refuse to pay their claims. What's the same between NRA Carryguard and the USCCA? 1. - Only company to specifically state they cover appeals, expungements, and have a critical response team come to your location for booking, etc. This is a HUGE amount of money that most people could not afford. As a reminder, the Carry Guard Insurance program is no longer available. Your mileage may vary. I am taking their firearm instructor program training at the end of September. I read up on this for way too long. Does the NY State insurance rule apply to USCCA as well? It should be noted that the state of NY has shut down the NRA CCW program. It might be better to sell this as a pre-paid legal product, which would not necessarily run into the same legal ramifications. I like the fact I can cancell, ifI really need $. 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. Is this amount realistically good with the current mainstream & social media? And easy-to-remember acronyms like ABC (airway, breathing, circulation). Prepare to adjust their filters. We hate SPAM and promise to keep your email address safe. I understand about the emails!. Prepare for the USCCA CCW Instructor Training. https://ccwsafe.com/page/quick-comparison-of-service. That policy provides the association and its members with self-defense liability insurance, subject to its terms, conditions, limitations, and exclusions. The others didn't have what seemed like as well thought out a business plan. I wouldn't trust "Thetrace" to tell me where the bathroom was. 2023 Update: Im an Elite member (with a better camera now). You can tell the instructor does this all day long and knows how to present information. This was such a good *write. If thats the only thing you walk away withyoure still good. And I added an in-depth review of almost their entire video library. 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. I think they have the best coverage and are the best value in the industry. 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. United States Concealed Carry Association (USCCA) was established in 2003 by two co-founders, Tim Schmidt and Tommy Schmidt who noticed the implications for those who had ever had to use their firearm and were concerned how it may affect themselves, their family member or friends should they ever need to fire off their gun for home defense or There are other articles that compare these three companies (and others), but I want to take a slightly different approach. It's about questionable insurance products bordering on fraud. Reddit thread with MORE good information, although this thread was in part based on TheTrace reporting. In addition, the underwriters and agents on that program (all big companies) have agreed to pay millions of dollars in penalties. you should read their fine print. Missing many facts here. These guys are in the middle of a lawsuit where they decided not to cover one of their clients. And rememberyou get my course no matter which tier you choose. My account on their website said I had a yearly membership, however on my previous payments my account clearly said EPL. Far as insurance, an article by an attorney says, if there is any question at all, they will not defend you. Criminal costs -- Insurance policies, by law, cannot provide coverage to pay your criminal defense attorney if you happen to commit a crime. Think of the Zimmerman acquittal at $1.7 million. On top of that there is a live webinar with experts from USCCA, outside experts, and an attorney who take live calls - all free. Anyone knows? But given the situation this year, why is there no FAQ on their site that's like 'Yes, the policy is now NY-compliant'? Best Concealed Carry Insurance [Top 6 Comparison] -- $25,000 for both Armed Citizens (LDN), and NRA Carry Guard, Okmy favorite part of the Platinum tier. Appreciate your input! I see the NRA Carry Guard has a known national insurance carrier providing the coverage. There's slight differences about your spousal coverage that I updated in the article. The best you can do is (along with the NRA) to join the NJARPC. For gun owners with the same belief today, it's an excellent resource. If the NRA policy says "that's where our obligation ends", I can promise you.THAT is where their obligation will end. But no, it's by me who did some research before settling with USCCA. USCCA vs. NRA Basic Pistol No comparison if you are intending to use it as a CCW Permit class. 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. 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." 2. Therefore, if there is any ambiguity in the wording, it will be ruled against the person who wrote the contract -- the insurance company. purchase helps support my work in bringing you more awesome gun and gear articles. Does it cover theft? Carriers of the NRA Carry Guard insurance policy were not entitled to anything close to what was offered by the USCCA. and gun laws with the USCCA's free, interactive map. I read your review on CCW SAFE and you said that it was your preferrred insurance plan. etc.) Legal & Second Amendment Matthew271 December 24, 2021, 1:52am 1 The main question: Which is the best organization for defense of the 2nd amendment. The value is just there, plus theyre classier than the NRA Carry Guard jerks IMO. Thoughts? Done with Protector Academy? ); and (3) I decided if I wouldn't train, I wouldn't own. In the chart above we have indicated the amount the provider would actually pay out to cover the fee. This is what USCCA has up on their web page: https://www.usconcealedcarry.com/the-cost-of-defense/. As for the civil liability, your Homoeowners can provide this, as well as a Personal Liability Umbrella. USCCA versus NRA Firearms Training Looking at USCCA versus NRA, yes there are differences. Sure, but does your umbrella cover up front costs of retaining a lawyer? Confused by all the "concealed carry insurance" out there? I have been shooting for over sixty-five (65) years. I am retired LEO but have been out of it 20+ years. USCCA all day. In the insurance package; where if you PLEAD GUILTY OR FOUND GUILTY, you can be forced to repay everything back to the USCCA!! I wonder where US Law Shield fits into this. Weve built dozens of ARs and well cover all the best AR-15 upgrades such as handguards, triggers, BCGs, gas blocks, and more. It appears that USCCA is a judgmental company ready to blame me if family member or invited guest starts trouble. So, it appears, like the NRA coverage, they stop paying for any services once a guilty conviction is arrived at. The organization was founded in Fairfax, Virginia in 1871. Theres good stuff on why mass shootings are getting more prevalent but the above image was eye-opening info for me. Boom! Two different people writing the articles. Good comments most likely leave uscca and go ccw safe because you dont have to pay back costs if convicted of a lesser charge. Thank You so much for putting this up. I cancelled my USCCA insurance when I confronted them with that info and they refused to give me any straight answers. A policy has been issued to the USCCA by Universal Fire and Casualty Insurance Company. For an extra $47/year, I was also able to insure my spouse with all the same coverage benefits. I never heard back from them. 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). Jerry, Eric, Great article but has anyone actually analyzed the avg cost of a "case" when someone is a shooter? The Handgun Safety and Marksmanship beginning video series is a great primer for everything handgun. Tim Schmidt founded the USCCA and continues as the head of it. If members are not satisfied with the USCAA insurance program, they will get their money back without no questions asked. And which consists of 2-hours instruction with a trainer, and 50 rounds into a target at varying distances with a 70% hit rate. CCW Safe vs USCCA [2021]: Detail Comparison | Firearms Land 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. 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. As a result, the stolen firearm may be used in a crime that could result in the injury or death of a victim. The general attitude of people that have been licensed to sell insurance could be characterized as "suspicion." Please note that traditionally the fee paid to a bondsman is 10% of the value of the bond. As someone who recently moved out of the "People's Republic of New Jersey," I can only speak of that state. I have also been around firearms for even longer. (b) With the insureds conviction of any criminal charge(s) The one-time cost of $250 is included in the $597 class fee. This kit includes the eLearning Training and Instructor Toolkit. Theres stuff on assessment (scene safety, life threats, distracting injuries, etc). I hope I never need them, but Im confident that they are in my corner. There is already a thread discussing the new NRA Carry Guard service, but for those who don't get Rifleman or other NRA publications, this is the ad which debuted this month. I don't know if "you get what you pay for" holds true for this instance. cost. Today, the organization has long been in the news as being to blame for some of the latest incidents in gun violence. Civil Liability -- These are payments to the person you injured. To this day, they are still the forefront leaders in making sure that the Second Amendment rights of every American are preserved and not infringed as intended in the US Constitution. My favorite is the Proving Ground. That's great to hear on the videosI haven't gotten around to them yet. We've seen all too many self-defense scenarios on video which turn into high profile cases. Way to pushy for me. As expected, a free NRA membership was not available for those who carry USCCA insurance plans. 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. Armed Citizen appears to be checking mid-way to see if you have a chance of being innocent. What do you recommend for residents in these states to protect themselves against the legal and civil liability expenses? so DO read the Terms & Conditions before signing. Excellent and well researched article Eric, just what we needed to make our choice! I know, old news, right? I was a Gold Member but I upgraded to Platinum, after reading this article. A majority of their funding comes from the levels of membership of which many of their members are enrolled in. Concealed Carry Association is trying to reach 1 million members by using a different message from that of the NRA. CS Reps offered to give me some lawyers in the area to ask this question. You really have to be lawyer with insurance expertise to determine if any of these are of any value. However, the latter provided coverage that was available for both in-home and outside the home. 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. About a year ago we added a segment of this subject to every CCW or weapons class which is always well received. You will also be able to access some of the advanced educational material that is available to you. Good company and great for the different levels of coverage to meet the needs/price point of different people. This was such a good what. We must remember, this is "insurance first" benefits second. 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. - Only company to include spouse and children under 18 when defending themselves inside your house (NRA Carry Guard covers spouse); additional fee for others. Type your email address and well send Read on to learn more about why I chose USCCAs membership for both its learning library and added personal insurance benefits* all members get. (No, I do not work for USCCA and no I do not get a commission. 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.