CCW Insurance?

[dave421]

Just curious who, if any, have CCW Insurance? I've always thought it was pointless and a waste of money. Something's changed in me lately though and I found myself signing up for USCCA today. They have a money back guarantee so I'm still unsure whether I'll keep it or not but something's been drawing me toward it lately.

What's everyone else's thoughts on it?

 

[pirate]

I thought a CCW and a handgun was insurance?

 

[Metalliman27055]

Uscca is one of those things I am incredibly skeptical of. There is an awful lot of giveaways and advertising put in place for something I've never heard people really bring up in conversation. There is a ton of feedback about what to not do to your carry weapon ("smile wait for flash" engraved on end of barrel etc) and what kind of ammunition to avoid so you aren't setup as some kind of premeditated serial killer if and when you do have to use your weapon. I personally would prefer to invest a portion of that money into a retainer for a pro firearm attorney with the understanding that you don't want to end up as a murder suspect if you have to defend yourself before sending it to that organization instead.
While I understand that is only a part of what that organization does, many groups like that are a lot of talk until they are needed. Take a look at North Carolina Educators Association for example. One of the things they are supposed to do is supply you with council/support if you are being bullied/pushed out of a job. I've never personally heard of them being successful but they do send some nice t shirts and tote bags when that membership fee is due.

Hopefully you will never need either of those. But keep me informed if there is something I'm missing as I am open to the fact I could be completely wrong about the organization and what other benefits they include other than a magazine, a gun give-away and some branded swag.

 

[Catfish]

I carry $1M personal liability "umbrella" policy as part of my home/auto/inland marine bundle. it's not terribly expensive and it covers more than "CCW" incidents.

 

[lowcountry]

I never thought of looking at our umbrella policy to see if it covers a CCW incident. My wife and I both carry so I will have to find out, good idea.

 

[CCW007]

I have come across a couple news stories where USCCA was mentioned. It was said that the guy was on the phone with them before police got there and suggested it was the reason he did not get charged. It was not an a story that was meant to put USCCA in a favorable light. I will try and find the news story and post it here. I have really been thinking getting it myself after some things I have read and I too have always been skeptical.

Here is the news story I was talking about
http://www.miamiherald.com/news/local/news-columns-blogs/fred-grimm/article103541582.html

 

[TSConver]

Get a good umbrella policy. I have a $1M policy that covers any type of negligence on my part. As long as it is not criminal I am covered. It cost very little annually.

 

[dave421]

.....

Here is the news story I was talking about
http://www.miamiherald.com/news/local/news-columns-blogs/fred-grimm/article103541582.html

Wow. Definitely not a Pro-2A article. I have a liability policy as well. . It's more the network that appealed to me since I travel a good deal. I don't know. I'm still skeptical but I'm going to see what they send me before deciding. The current anti-2A climate we're in is what led me to it. Facts don't matter, just feelings and that concerns me.

 

[bennnn]

Get a good umbrella policy. I have a $1M policy that covers any type of negligence on my part. As long as it is not criminal I am covered. It cost very little annually.

Hmm, tell me more. Feel free to PM if necessary.

 

[TSConver]

Hmm, tell me more. Feel free to PM if necessary.

Not much to tell, talk to your insurance agent and see what it takes. Most will require you to raise your auto to the max limits for accidents. I think mine had to go to 250/500/250

 

[Mike V]

Wow. Definitely not a Pro-2A article. I have a liability policy as well. . It's more the network that appealed to me since I travel a good deal. I don't know. I'm still skeptical but I'm going to see what they send me before deciding. The current anti-2A climate we're in is what led me to it. Facts don't matter, just feelings and that concerns me.

This is why I went with these guys: http://ccwsafe.com/ I researched them a good bit. In my opinion--very legit.

It is worth the $129 a year just to have somebody to call, no matter where I am, that will go to bat for me. They cover quite a bit, too, but even if they didn't I still think a $129 retainer is worth it.

 

[dave421]

This is why I went with these guys: http://ccwsafe.com/ I researched them a good bit. In my opinion--very legit.

It is worth the $129 a year just to have somebody to call, no matter where I am, that will go to bat for me. They cover quite a bit, too, but even if they didn't I still think a $129 retainer is worth it.

Do you have the info for them handy? Everyone compares the "highest level plan" but you can't see what all is potentially different for lower plans. Does CCWSafe cover civil damages?

I really didn't like this from the ccwsafe info: "CCW Safe, LLC will not provide the above services if the use of force incident is an intentional criminal act. CCW Safe will not provide the above services if a member who is impaired by the use of alcohol or controlled substances, or prescribed medication that alters judgment, or is in violation of state law regulating alcohol and drug use while in the possession of a firearm." That's a little vague for me. If I have a drink when I get home and someone breaks in, who decides when I'm impaired? *edit* And I just found similar verbiage on my info from uscca. Awesome.

 

[CCW007]

Do you have the info for them handy? Everyone compares the "highest level plan" but you can't see what all is potentially different for lower plans. Does CCWSafe cover civil damages?

I really didn't like this from the ccwsafe info: "CCW Safe, LLC will not provide the above services if the use of force incident is an intentional criminal act. CCW Safe will not provide the above services if a member who is impaired by the use of alcohol or controlled substances, or prescribed medication that alters judgment, or is in violation of state law regulating alcohol and drug use while in the possession of a firearm." That's a little vague for me. If I have a drink when I get home and someone breaks in, who decides when I'm impaired? *edit* And I just found similar verbiage on my info from uscca. Awesome.

Does the alcohol consumption part of the law matter while in your home in NC? I do no drink so I may not be correct as I do not follow this area of the law, but think you can possess after consuming alcohol you cannot carry concealed publicly. Not sure if carrying concealed at your home would be a violation once you have a drink, but you do not have to admit to having it concealed if something happened. Now shoot someone accidentally while consuming alcohol would be bad for you I would suspect especially if above the legal limit.

I like what I see on CCW Safe. This clause could bite someone i.e. Girlfriend's/sister ex or estranged husband
CCW Safe will not provide the above services for any domestic violence incident, criminal investigation or prosecution arising from the use of a firearm or other weapon by a member against the member’s current or former family member, household or dating relationship, as defined in applicable state law.

 

[dave421]

You can drink and carry in your home in NC legally. They just don't specify whether that's their discretion, legally drunk, etc. In the case of an accident, I understand it. In a home invasion, if I'm legal it shouldn't be a problem but they don't specify that.

 

[Mike V]

Do you have the info for them handy? Everyone compares the "highest level plan" but you can't see what all is potentially different for lower plans. Does CCWSafe cover civil damages?

I really didn't like this from the ccwsafe info: "CCW Safe, LLC will not provide the above services if the use of force incident is an intentional criminal act. CCW Safe will not provide the above services if a member who is impaired by the use of alcohol or controlled substances, or prescribed medication that alters judgment, or is in violation of state law regulating alcohol and drug use while in the possession of a firearm." That's a little vague for me. If I have a drink when I get home and someone breaks in, who decides when I'm impaired? *edit* And I just found similar verbiage on my info from uscca. Awesome.

Dave,

When I looked into them I didn't save anything. I had questions based on things I read on the web and reviews I read, and I called them. Got satisfactory answers. I also understand that the devil is in the details and they (anyone providing this type service) could deny payment based on technicalities. My research did not show this to be the case. But, again, my goal was not to defray the cost after an incident, it was to have someone, on retainer so to speak, that would immediately go to work for me if something happened. Someone for me, or my wife to call and get help right now. No matter where I am. One of my worst case scenarios is being out of town and have an incident. No idea who to call. I want someone on top of things when they may still have a chance at steering events. The thing I was most impressed with about this group was the response process/time. Based on all I read about several companies, this was the best bang for the buck and provided what I was looking for.

 

[dave421]

Dave,

When I looked into them I didn't save anything. I had questions based on things I read on the web and reviews I read, and I called them. Got satisfactory answers. I also understand that the devil is in the details and they (anyone providing this type service) could deny payment based on technicalities. My research did not show this to be the case. But, again, my goal was not to defray the cost after an incident, it was to have someone, on retainer so to speak, that would immediately go to work for me if something happened. Someone for me, or my wife to call and get help right now. No matter where I am. One of my worst case scenarios is being out of town and have an incident. No idea who to call. I want someone on top of things when they may still have a chance at steering events. The thing I was most impressed with about this group was the response process/time. Based on all I read about several companies, this was the best bang for the buck and provided what I was looking for.

I agree completely. The response is what I'm most interested in. I was just trying to figure out how they all differ.