Carry insurance

Damn_Yankee

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This has probably been asked but who’s got it? Do you feel it’s worth it? Would you recommend US Law Shield or USCCA or another type?


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A couple previous discussions:



 
I have us law shield, price was better then uscca.
USCCA, here -- specifically because it has the largest per diem for missed work I could find (US Law Shield has no per diem, at all) -- and I was looking for such to augment the umbrella policy I also have (which is why I didn't care about the $2M civil defense cap USCCA has that US Law Shield lacks).

I hope I never need to use it...
 
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Regarding USCCA, I received an email notice of some (nice!) upgrades:


The U.S. Concealed Carry Association exists to help ensure people like you have access to lifesaving self-defense resources that'll help you protect yourself, and the people you love, from a deadly threat.

Founded on the idea of "continuous improvement"; the USCCA is dedicated to helping ensure your membership never becomes stale. That’s why Delta Defense works tirelessly to add, update or improve the content, resources and features available to members like you.

We're excited to tell you that the coverage provided by the Self Defense Liability Insurance policy purchased by and issued to the USCCA* is changing and improving.

As of 11/01/2021, members will have access to revised benefits including a $2,000,000 annual liability limit, $100,000 limit for the cost of bail bond expenses, up to $10,000 for incidental expenses, up to $750 per day for actual loss of earnings, and...

...no limit defense expenses.

As an additional insured on a self-defense liability insurance policy held by the USCCA*, this adds so much value to your membership.

Be sure to check out the complete breakdown in the chart below.
NOTE: These coverage updates will go into effect as of 12:01am CST on Monday, November 1st, 2021.

Self-Defense Liability Insurance*​

Self-Defense Liability Insurance Policy issued to the USCCA by Universal Fire & Casualty Insurance Company
Current:
(applicable to claims made and reported or incidents that occurred and were reported on or after 10/15/20, but before 11/1/21)
New:
(applicable to claims made and reported or incidents that occurred and were reported on or after 11/1/21)


$2,000,000
Each Claim Limit for Claims Expenses and Damages
$250,000
Defense Expense Limit
$50,000
Cost of Bail Bond Limit (Subject to Defense Expense Limit)
$6,000
Incidental Expense Limit (Subject to Defense Expense Limit)
$750
Per Day for Loss of Earnings (Subject to Each Claim Limit)
$2,000,000
Annual Liability Insurance Limit
No Limit Defense Expenses
Defense Expenses incurred in the defense of a civil or criminal proceeding or investigation are Paid In Addition to the Limit of Liability for Covered Occurrences
$100,000
Cost of Bail Expense

A $1,000,000 bail bond typically costs $100,000 or 10% of the limit. You’ll have $100,000 of funds available for bail expenses including cash bail or the cost of a bail bond and monitoring expenses.
$10,000
Up to $10,000 for Incidental Expenses
$750
Up to $750 Per Day for Actual Loss of Earnings Incurred at the Insurers request in helping with the defense.
You will be getting further communications from Delta Defense regarding these Self Defense Liability Insurance coverage updates after Monday, November 1st, 2021.
Take care and stay safe,
Delta Defense Customer Engagement Team




The USCCA’s mission is to train and prepare law-abiding gun owners by giving them the tools, the courage and the confidence to protect what matters most to them.

Delta Defense, LLC provides sales, marketing, operations and administrative support services to the USCCA and is a licensed insurance agency in all 50 states and the District of Columbia with its principal office in West Bend, WI. Delta Defense, LLC does business as Delta Defense Insurance Services in California. California License #0M34093

*Insurance has been purchased by the USCCA and is one of the benefits of membership in the USCCA. Coverage and benefits are subject to the terms, conditions, and exclusions of the insurance policy issued to the USCCA by Universal Fire and Casualty Insurance Company, an insurance company with its principal place of business in Hudsonville, MI. Every USCCA Member is an additional insured on that policy. Information provided herein is for informational purposes and is not intended to be a representation of coverage that may exist in any particular situation. USCCA Membership is not available to residents of New Jersey, New York or Washington State. Contact Delta Defense’s Customer Engagement Team at 1-800-674-9779 with any questions.
 
Broad summary of the USCCA changes, above:
  • Defense expense cap of $250k has been removed in favour of no cap/limit
  • Bail bond expense cap doubled from $50k to $100k
  • Incidental expense cap increased from $6k to $10k
 
CCW Safe. Their head lawyer is the guy who got Zimmerman off. I had USCCA for a year or two also.
 
USCCA, here -- specifically because it has the largest per diem for missed work I could find (US Law Shield has no per diem, at all) -- and I was looking for such to augment the umbrella policy I also have (which is why I didn't care about the $2M civil defense cap USCCA has that US Law Shield lacks).

I hope I never need to use it...
Umbrella liability is one that many people overlook. It is not that expensive either.
$1M @$195/yr.
Mine required me to max out liability coverage on the cars. But that doesn't cost much at my age either.

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Has anyone ever actually used its services?
This is really the only thing that counts with any insurance. All this "97% satisfaction rate" - I want to know the satisfaction rate of people who have made a claim, anyone else is basing their satisfaction on cost or a free hat.
 
I honestly view these coverages as simply a first line of defense and a phone number to call (like AAA for your car) should I be somewhere outside my home county, or worse outside my home state and I am involved in an incident. The attorney I want in nowhere southwest VA on a motorcycle trip might not be the same one I want in my home county. I just want someone to call immediately. A good (and likely busy) criminal defense attorney I might know in my home county who I haven’t needed in forever probably won’t be immediately available on the phone.
 
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I went with US Law. This was based on the recommendation of a buddy who is forensic accountant who used to work for a state prosecutor's department, and research freak. He felt that they were close, but that US Law was more likely to give the best protection. With luck I will pay yearly and never find out for sure. I did opt for the bail bond and multi-state coverage as I do travel with firearms somewhat regularly.

Note for folks who travel on airlines with guns. Take the zip tie(s) off your suitcase as soon as they hand it to you. Otherwise you are marking yourself as you exit the baggage office. One zip tie for handguns, two for long guns. I keep a knife in the outside pocket of a checked bag just for removing them. If you are good with the tip of the knife, you can pick the latch on the zip tie and have yourself a $3 zip tie on the airline, I keep a few handy.

I do a locked gun case inside my suitcase with a bicycle lock wire rope around the interior frame of the suitcase locked to the gun case, so getting the gun case out of the suitcase is not easy. When I wheel my large suitcase out of the baggage office, I look like a usual passenger picking up lost luggage, etc., rather than advertising my guns.
 
USCCA here also- never had any issues when I needed them but at the time when I was looking, they seemed to be the best fit with the most coverage and have been ever since. I also don't think you'll find a more down to earth company who wants the best for their members not just the money -
 
USCCA gives me peace of mind, and, as @surrealone mentioned, they just improved their coverage. A bit pricey, but the magazine they send you is actually really good, and they do gun giveaways and a bit of pro-2A lobbying at the federal level, as well.
 
That's actually the first gun rag I've actually enjoyed reading. It doesn't feel so forced like the NRA-based and for-profit rags do...
 
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