CCW insurance

REELDOC

REELDOC

The creek won't clear up til you get the pigs out.
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Anybody carry it? It's time to pay up for my annual fee for CCWSafe but wondering if anything better is out there.
 
I have US LawShield... Honestly, I don't know if it's any good. I hope it's just wasted $$ and I never find out!
When I joined, it was between the NRA program and US LawShield, I didn't like the way the NRA program paid the Lawyers. Then NRA closed up so, I made the right decision.
Now the membership just auto-renews.
I'm sure that this was of no value at all, Sorry!
Rob
 
I'm with LawShield too. Seems, by far, the best deal of all the other companies. Like Rob though, I've never used it and hope I never have to. It's a nice "insurance policy" though.
 
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Well I did a little searching on my puter and came up with this fairly nice review. Appears I will stick with CCWSafe for me and Chicken Lady.
www.pewpewtactical.com

6 Best Concealed Carry Insurance Comparison 2023

Overwhelmed about which concealed carry insurance provider to choose for your situation? We compare a couple of the most popular options.
www.pewpewtactical.com www.pewpewtactical.com
 
Make sure you compare features. Uslaw shield has no caps. Will cover both civil and criminal. They will never ask for any money up front or ask for any back.

I know uscca will require repayment if you loose and have a cap.

I have looked at all of them and us law shield is the best.
 
TSConver said:
Make sure you compare features. Uslaw shield has no caps. Will cover both civil and criminal. They will never ask for any money up front or ask for any back.

I know uscca will require repayment if you loose and have a cap.

I have looked at all of them and us law shield is the best.
Click to expand...

Just curious if you're bird dogging for US Law Shield? Not trying to be rude or anything, but I have had an establishment or two try to pitch plans. Hard enough to lead me to believe they had a vested interest. That and their card stapled to the brochure they made sure I left with. The first sentence tripped a sensor. I will say, their plan looks good though. More research will be done at re-up time. There was more than the ins. coverage taken in to account

Repayment to USCCA? Bad on me if I missed that part. There is no upfront in USCCA either. Again, bad on me if I misunderstood the terms.
 
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I let us law shield come to my classes. I have it and believe in it.

If you have a call you talk to a lawyer not a call center client lawyer privilege is never compromised.. If they cannot get to you they pay another lawyer to come to you. If uscca does that you have to pay a fee. Uscca is also capped on costs. They will also sue for payment if you are found guilty. Us law shield has no cap all the way to the Supreme Court and will never ask for repayment it is in the contracf.

Us law shield is also ala carte. If you don't need 50 state coverage you do not pay for it if you take a weeks vacation and go to another state you pay for just the one week. They also offer other coverages like bail bond and hunter insurance if you want it. Biggest difference though they cover you in all self defense. If you use your car or a baseball or just your hands to defend yourself they cover it. All of the others only cover self defense with a firearm.
 
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TripleO7 said:
Just curious if you're bird dogging for US Law Shield? Not trying to be rude or anything, but I have had an establishment or two try to pitch plans. Hard enough to lead me to believe they had a vested interest. That and their card stapled to the brochure they made sure I left with. The first sentence tripped a sensor. I will say, their plan looks good though. More research will be done at re-up time. There was more than the ins. coverage taken in to account

Repayment to USCCA? Bad on me if I missed that part. There is no upfront in USCCA either. Again, bad on me if I misunderstood thecontract.
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And no i get nothing for pitching them here on the forum. Just believe in it.

Ask uscca if you talk to anlwayer when you call or if you are sent to a legal department then to a lawyer. Also ask them if their lawyer cannot come to the scene immediately what do they do. As I said us law shield claims they call right to the lawyer and if they cannot respond immediately they call a local lawyer and get them there immediately. They supposedly carry a phone just for us law shield and pass it among several on a rotation in the state.

Big thing to me is covering all.self.defense not just firearms. Knives and other weapons are covered. No one else offers that.

You can also cover kids. One price for all.children in your house and if they defend themselves from a bully.in any way it is covered.
 
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TSConver said:
And no i get nothing for pitching them here on the forum. Just believe in it.

Ask uscca if you talk to anlwayer when you call or if you are sent to a legal department then to a lawyer. Also ask them if their lawyer cannot come to the scene immediately what do they do. As I said us law shield claims they call right to the lawyer and if they cannot respond immediately they call a local lawyer and get them there immediately. They supposedly carry a phone just for us law shield and pass it among several on a rotation in the state.

Big thing to me is covering all.self.defense not just firearms. Knives and other weapons are covered. No one else offers that.

You can also cover kids. One price for all.children in your house and if they defend themselves from a bully.in any way it is covered.
Click to expand...

T'sall good! Just curious. I was a sales guy and have employed bird dogs. I personally wouldn't begrudge anyone referral compensation. I'm glad to hear your happy with it just because you are.

USCCA doesn't cover if you are committing a crime. Not on the job either, their example is a security guard at work. You are covered for any legal weapon, not just firearms. No war, insurrection, etc. Usual boilerplate exclusions.

You can piggyback a spouse, not kids.

If you have to make that call, you will not go to an attorney. They will basically tell you what any competent attorney would tell you per the attorneys they had at the seminar I attended. Essentially the stuff on the back of the card you get. I personally would only tell them that I was forced to defend myself and the PoPo are rollin. Thats all they need to know. They take over from there. You pick your lawyer. They have a list of locals that they have an association with. Like the firm that came to the seminar for example. The guy with his name on the door does a lot of cop work. For the FOP, or whatever they call their fraternal organization here. The associate he brought with him is a true gun guy. Worked in LGS's, hates BATFE, likes NFA stuff. I'm guessing that even if you picked the main guy, he would be involved.

I am concerned that USCCA has changed their approach and the insurance is a perk of membership, not the reason to be a member. This has happened since I joined. I am Platinum, and now there isn't much that makes it worth the extra. They also changed their insurance policy. I have to check, but the coverage may be a tad higher than I originally had. I admittedly just now skimmed the new policy, and will take time to read it further when I get a chance. LOL, I worked for an underwriter in Chicago. Did marketing, but still had to be a licensed producer, even though I merely solicited submissions for coverage. P&C licensed, no big deal. A trained monkey could get that license in Illinois so it doesn't make me an expert and I had a house counsel two offices down the row to fall back on. We did surety bonds and bonds for other legal liabilities. Id rather poke my eyes out than read another policy or contract word for word. But I will. Law Shield at some point as well some others. As I said re-up time will bring about some shopping on my part. This is important stuff! I am not concerned about being well covered at this time.

Based on what you wrote, US Law Shield or their rep may have left you with some misconceptions about a competitor.
 
REELDOC said:
Well I did a little searching on my puter and came up with this fairly nice review. Appears I will stick with CCWSafe for me and Chicken Lady.
www.pewpewtactical.com

6 Best Concealed Carry Insurance Comparison 2023

Overwhelmed about which concealed carry insurance provider to choose for your situation? We compare a couple of the most popular options.
www.pewpewtactical.com www.pewpewtactical.com
Click to expand...
Read that article and the comments. Looks like CCW Safe may even be better than US Law Shield?

I have USCCA now, but have been looking to switch.
 
Not meaning to derail, but I want to suggest taking a look at your homeowners insurance policy. Generally, self defense in the home and any collateral damage that may result isn't covered. Push a home invader down the stairs? That's an intentional act, no coverage. Shoot at the home invader with 30.06 and it stops after punching holes through 8 houses? Not covered.

Self defense shouldn't have to result in turning your life upside down financially. That outcome is what would make a bunch of folks hesitant to pull a trigger. Get some insurance or other legal backing from a program like Law Shield.
Also, get your assets moved to a trust so nobody can take your family's house, cars, or valuables in court.
 
It took a while for me to engage my memory, but I learned about this group in a class where the instructor was an affiliate of John Farnham's.

ACLDN

armedcitizensnetwork.org armedcitizensnetwork.org
Similar to Law Shield, but I think Law Shield has surpassed them in benefits at this point. I post it as an option, perhaps price for some benefits better fits a personal budget.
 
Hmm,ā€‰notā€‰sureā€‰
I'dā€‰certainlyā€‰beā€‰willingā€‰toā€‰giveā€‰youā€‰myā€‰membershipā€‰infoā€‰ifā€‰you'dā€‰likeā€‰toā€‰tryā€‰itā€‰outā€‰šŸ™‚
 
CCW007 said:
I am thinking about switching to US Law Shield. Do they the give finder awards to existing members for finding new members?
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They do give some benefits, but it's certainly not anything that's worthy of a good pyramid scheme. LOL The last one was entries into an ammo giveaway, I believe. Look over all the options they have. It's not tiered at all, like USCCA, but it is "a la carte" as has been mentioned. I got the 50 state option, covered my wife as well with the same, got the bail option, and the option for my kid that's still in HS. I honestly wish they had a dependent option beyond an 18yo child. I'd like my children covered as long as they're living in my house.
 
If you wanted to come to one of my classes when they do the presentation you would get a price lock guaranteed for life and 2 extra months for the price of 12 months. I am in Durham so a bit of drive. WOuld cost you nothing to come to the class just have to sit through their 30 min spiel.
 
TSConver said:
Us law shield is also ala carte. If you don't need 50 state coverage you do not pay for it if you take a weeks vacation and go to another state you pay for just the one week. They also offer other coverages like bail bond and hunter insurance if you want it. Biggest difference though they cover you in all self defense. If you use your car or a baseball or just your hands to defend yourself they cover it. All of the others only cover self defense with a firearm.
Click to expand...
I want to make sure Iā€™m not missing something on the website.

Are there only two options? Either just my state, or all 50? Thatā€™s what Iā€™m seeing, but wasnā€™t sure. Be nice to have NC/SC.
 
Yes either home state or all fifty states. But you can turn off 50 state and back on as needed and only pay for what you use
 
TSConver said:
If you wanted to come to one of my classes when they do the presentation you would get a price lock guaranteed for life and 2 extra months for the price of 12 months. I am in Durham so a bit of drive. WOuld cost you nothing to come to the class just have to sit through their 30 min spiel.
Click to expand...
I would be interested in attending one of these classes. Can you PM me with some info?

Sent from my SM-N960U using Tapatalk
 
clay_fv said:
They do give some benefits, but it's certainly not anything that's worthy of a good pyramid scheme. LOL The last one was entries into an ammo giveaway, I believe. Look over all the options they have. It's not tiered at all, like USCCA, but it is "a la carte" as has been mentioned. I got the 50 state option, covered my wife as well with the same, got the bail option, and the option for my kid that's still in HS. I honestly wish they had a dependent option beyond an 18yo child. I'd like my children covered as long as they're living in my house.
Click to expand...
I signed up last week. I was with USCCA they had some extra benefit for adding a new member I figured I would ask to maybe to help someone out, but it does not look like they do. I really like what I see here for sure.
 
I just took my CC class this past weekend and heard the pitch from US Law Shield. It does seem like good coverage to have for someone who carries everyday. Several in the class signed up on the spot. I did not since my personal attorney is also my wife. She would shoot me if I signed up and paid for legal services.
 
Slacker said:
IMO...

There is one born every minute.
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You're suggesting that pre-paid legal arrangements, bail bonds, expert witnesses, and money to pay for a defense in civil or criminal court is for fools?
 
Guess I'm a tomahto.
I just signed up for this and added my wife.
 
Slacker said:
Does a policy come with a free CCW badge?
šŸ˜
I honestly believe the money would be better spent on gas to drive to the grocery store on the good side of town.
Or a good pair of running shoes.
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Different strokes foe different folks. I used to be a doubter too. In today's environment look at what is happening to LEOs getting drug through the mud, even when ruled it was justified. God forbid John Public shoots someone defending him himself or his family and it just so happens to be someone of a different race. I personally will not miss the 15.00 a month.
 
There was a guy in Charlotte who displayed his gun inside his car at a bum trying to reach inside. The bum left. A person saw the gun and called the police. Several hours later they showed up at his house and arrested him for assault with a deadly weapon. It cost him 100k to get itnthroqn out.

Just something to think about.
 
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My take on this is more car and home based. I drive a nice car. That could get me targeted for carjacking. Home invasions happen in nice neighborhoods because that's where the good stuff is. I'm home 99% of the time so if my place was targeted good chance I'll be in the house when the door is kicked. Homeowners insurance won't pay for willful acts, and defending myself is willful.
 
My renewal was up for USCCA, but I didnā€™t renew because if you are involved in an ā€œincidentā€, and lose the court case, they reserve the option to demand all their spent money back on legal fees and such. Not sure how that works with US Law Shield.

I had already re-instated CCW Safe a few months ago. I donā€™t think that is a part of their fine print, but I guess I oughta find out.
 
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fieldgrade said:
My renewal was up for USCCA, but I didnā€™t renew because if you are involved in an ā€œincidentā€, and lose the court case, they reserve the option to demand all their spent money back on legal fees and such. Not sure how that works with US Law Shield.

I had already re-instated CCW Safe a few months ago. I donā€™t think that is a part of their fine print, but I guess I oughta find out.
Click to expand...
Yes these things are good information for the rest of us!
 
A friend just took the class and was met by the USLS rep.

He was asking my opinion of CCW insurance, but I had none. I thought I remembered this thread about it.

Is USLS still the way to go?
 
One concern/benefit of CCW Safe is that the plan is not insurance, which means they are not underwritten by an insurance company, and that means (to me) they are less likely to cave to government/social pressure to stop providing policies. In the age of cancel culture, that might be a positive.
 
I am a USCCA member. I read the entire policy before becoming a member and, for me, the deciding factor was the per diem, as I already have an umbrella policy that covers me and it LACKS a per diem. I wanted something that worked jointly with my umbrella policy, so, for me, USCCA was the right answer -- as the policy is written such that they'll work with other insurers AND they'll provide a per diem. This also means the maximums/caps didn't bother me.

As for which is right for others, that's a personal decision. Having to pay things back if you're found guilty of a crime should, by my way of thinking, kind of be a non-issue because you're probably financially ruined anyway --unless you have your marriage and such set up with appropriate legal firewalls already in place. (They can't get blood from a turnip, so when you think about it, what difference will it really make?)

As a caveat -- the ability to pick your own attorney under these various offerings comes with caveats that amount to the attorney you pick agreeing to the insurer's customary rate/fee schedules and the like AND the insurer agreeing that the attorney is suitable for the task -- that sort of thing ... so you can't go pick the highest dollar attorney out there and use him/her unless s/he's willing to work for whatever peanuts the insurer is offering. Keep that in mind when considering the ability to pick your own attorney...

Here's a summary table from a worthwhile article I read when making my decision for 2021:
ccw_insurance_compare.jpg
Source: Best Concealed Carry Insurance [2020 + by a Lawyer!] (gununiversity.com)
 
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