Self-Defense SHIELD Insurance

[Ted C]

I'm quite the skeptical type I know, so I invite your flaming comments as well as instructive input. That said, I've been a ccw carrier for about 6 months and know I should have some sort of insurance. I'm becoming a member of the NRA and am trying to decide which insurance I should have.

The NRAs insurance is obviously well endorsed, but not as much insurance (especially the criminal defense) as USACARRY's insurance. I'm questioning the validity and legality (on paper) of the amounts and support offered by the USACARRY website.

Before you flame and sputter your response, consider this; I'm looking at it from a "if it sounds too good to be true" standpoint, not calling anyone outside for a shoot out

Thanks

 

[Black Dragon]

Are you talking about USCCA insurance?

 

[murph50]

Ted

I was a member of USCCA and let my membership drop--I didn't feel comfortable with them and what they were offering.
A few months ago I joined The Armed Citizens Legal Defense Network-- Armed Citizens' Legal Defense Network, Inc. --.
Cost is $85 a year--it's run by good honest folks. You might want to check them out. You can call them too and they answer the phone and can address any concerns you may have.
I feel comfortable with them
Hope this helps

 

[Tucker's Mom]

Luke will never bombard us here members with junk insurance. That is why I am here. I was a member of USCCA and my husband and I got annoyed by deleting such junks from them.

 

[walt629]

I'm not even a member of USCCA and I get slammed with emails every day. I eventually unsubscribed just to get them out of my mail box. I'm also looking into the insurance issue so I'll track the responses here.

 

[walt629]

Ted

I was a member of USCCA and let my membership drop--I didn't feel comfortable with them and what they were offering.
A few months ago I joined The Armed Citizens Legal Defense Network-- Armed Citizens' Legal Defense Network, Inc. --.
Cost is $85 a year--it's run by good honest folks. You might want to check them out. You can call them too and they answer the phone and can address any concerns you may have.
I feel comfortable with them
Hope this helps

Hey Murph, How about expanding on the reason you dropped your membership with USCCA. I was considering joining for the insurance aspect right up until I read your post.

 

[Black Dragon]

I currently have USCCA insurance myself but I will not be renewing my membership when it expires.
When many of the members on the forums want answers they get crickets or their post gets deleted. They keep trying to sell you stuff and give you that oily feeling.
You may also notice that with some of the stuff on the site you first have to become a paying member before you know what you get, reminds me of obamacare.

I'll be looking at ACLDN when it comes time to renew.

 

[anvil6]

Thank God this is not a world of mandatory "one-size-fits-all" solutions. ACLDN, NRA and USCCA each offer products designed to help -- post shooting -- with the maze of legal entanglements one may become involved in after having used a firearm to defend themselves against deadly criminal attack.

The various products differ in exactly how they provide that assistance, what they provide, how much they provide, what they cost, who provides the assistance and even who actually buys (owns) the "insurance" that is to provide the underlying funds for the necessary assistance. Each person's perceived need and ability to pay is unique, so there is no "best for everyone" choice. It's not so much "Buyer Beware" as it is "Buyer be Aware".

Briefly, USCCA initially did not provide (what I will loosely call "insurance") with their membership. Indeed, many long-time members had already covered their liability using products from other providers. When USCCA announced that all new and renewal memberships would include the "protection" -- at a GREAT increase in membership fees -- some chose to either cancell or not renew their USCCA membership at the higher rate.

I make NO judgements as to which provider(s) may have the best coverage for YOUR liability needs.

 

[murph50]

Hey Murph, How about expanding on the reason you dropped your membership with USCCA. I was considering joining for the insurance aspect right up until I read your post.

I was a member for a year. The magazine is ok but the forum is a little slow for as many members as they say they have. USACarry is a better forum with better info IMO.

USCCA seems to be more of a money marketing scheme IMO. Ever since I joined I get bombarded with schemes from the owner and his family and friends. Get's old quick and I just don't trust em'.That insurance they're pushing has a garauntee of nothing.

Lot's of folks have left--there have been a lot of negative threads there in the last few months --if they haven't removed them.

I joined ACLDN for their program. I spent some time on the phone with them and they were real straight about what their program offers. I was immediately emailed a list of attorneys in my area and within a few days got a packet with great materials and CD's.All the people involved are well known and respected gun folks.

Just didn't have a good feeling at all with USCCA--seemed like sleezy tactics there--the owner even admits that he's a money marketing guy and he's found his niche in concealed carry.

 

[TheFollower]

What specifically does one need in terms of 'insurance'? If you are worried about a financial settlement if BG, or his survivors, sue and win a civil suit then get an umbrella liability policy as part of your current insurance. This presumes that you did nothing illegal in discharging the weapon. I am not an insurance expert...just passing along what little bit I know from my ins agent.

 

[desertrat12]

When the BoD5 hits the spinnig propeller, or post incident follies.

OK, you've just finished a legitimate engagement, you and loved ones walked away, BG is en-route to the morgue.

<u>Scene 1</u>: Although a good (legal) self defense incident, you are being detained pending a 'review'. You <i>'lawyer up'- NOW WHAT??</i>
<u>Scene 2</u>: The cops didn't detain you, but the _____ Attorneys Office has indicated you are now going to be detained and will be heading to a hearing and a court decision regarding bail. <i>NOW WHAT??</i>
<u>Scene 3</u>: Everything was adjudicated self defense, however you've just been served notice that you are being sued by the family of the deceased BG. <i>NOW WHAT??</i>

There is a common thread in these questions, simply by retaining counsel your attorney is working on <i>your nickle</i> and/or needs $$$$ up front to get started defending you. He wants at least 1/3 'up front'. This is where the various plans start falling apart, since the payments for your defense are paid after the case is heard.

Most folks are existing pay check to pay check now, spare cash is a fond memory. So how do you get started? Does the insurance agreement with the local talent provide the money, or an ironclad statement of payment that the attorney will accept? Speaking of attorneys, how much real time & Court Room time do they have defending this type of case? How often do they win? Do you get a list of attorneys names and numbers?

These are the type questions that the vendor should be answering at the start. Every time you send a projectile out of the barrel at someone else, figure it's going to cost you around $80k for bail, misc. fees, and start up money (retainers).

Just some random thoughts.

 

[FN1910]

It was probably 50 years ago when I first heard about insurance that would cover you in legal situations. It was not necessarily about shootings but rather one fellow telling about how he had a card in his wallet that would get him out of speeding tickets where all he had to do was show the card to the police. As I read the card I realized that it wasn't at all what he thought it was. I think that the insurance being discussed here about shootings and guns is similar that before signing up and going out thinking that you are fully covered you need to read and understand the fine print. Some of these may be scams but they don't really have to be as the way the coverage reads it will only pay off if all the conditions are met. I am not against or for it but just read carefully the conditions before joining up and thinking that you are covered. There may be some times that you will need it, I hope not, but do not let it give you a false sense of security and affect your good judgment. If you do then the chances are that it will not pay off.

 

[rdp357]

Ted

I was a member of USCCA and let my membership drop--I didn't feel comfortable with them and what they were offering.
A few months ago I joined The Armed Citizens Legal Defense Network-- Armed Citizens' Legal Defense Network, Inc. --.
Cost is $85 a year--it's run by good honest folks. You might want to check them out. You can call them too and they answer the phone and can address any concerns you may have.
I feel comfortable with them
Hope this helps

USCCA and their Insurance is a SCAM, stay away from it. Go with the Armed Citizens' Legal Defense Network, I'm a regular member of USCCA and will not get their insurance nor will I renew my membership, the forum and the magazine arnt worth it either.

 

[kelcarry]

Per what the Follower is saying, in SC, if it is a justified shooting you are immune to civil recourse by the BG and family. That, however, does not mean in this crazy upside down country filled with lawyers that you cannot be sued. Problem with insurance is the usual--easy to apply, easy to pay, not so easy to get the monies or support when you need them. Bottom line, to me at least, is situational awareness and a very clear understanding of the law and what imminent danger means. The rest should just follow. Always what if. Odds are, however, in my favor, based on no problems whatsoever for 70 years, that I will be saving myself an insurance bill every year.

 

[Ted C]

What I thought...

Ted

I was a member of USCCA and let my membership drop--I didn't feel comfortable with them and what they were offering.
A few months ago I joined The Armed Citizens Legal Defense Network-- Armed Citizens' Legal Defense Network, Inc. --.
Cost is $85 a year--it's run by good honest folks. You might want to check them out. You can call them too and they answer the phone and can address any concerns you may have.
I feel comfortable with them
Hope this helps

I appreciate all the input. As I thought, when it sounds too good to be true, it usually is. There's Strength in numbers! thus the thread. I'll definitely be looking elsewhere for insurance as the constant bombardment from the USCCA Website is extremely annoying. I'm not knocking the enticing flow in information! I believe everyone should seriously be informed and educated to the fullest extent; I just couldn't understand why it should cost so much..

I'll check into ACLDN and compare with what my needs are. Thanks for the input!

 

[Ted C]

I currently have USCCA insurance myself but I will not be renewing my membership when it expires.
When many of the members on the forums want answers they get crickets or their post gets deleted. They keep trying to sell you stuff and give you that oily feeling.
You may also notice that with some of the stuff on the site you first have to become a paying member before you know what you get, reminds me of obamacare.

I'll be looking at ACLDN when it comes time to renew.

For the price, it sounds like ACLDN is worth having even if you have other Insurance. The "too good to be true" scenario seems to be the case with USCCA, as I too am exhausted with the bombardment of emails from the group. I believe everyone should be educated to the fullest when it comes to guns and legal rights, but I wasn't sure if the blanket coverage they offered was worth the hassle of their service. I'll definitely be looking for real insurance in the close future!

Some have suggested an umbrella liability policy, and while I've thought about these in the past (especially for things such as sexual harassment lawsuits, being in the restaurant business), I'm quite sure they do NOT cover Gun Shooting incidents whatsoever. If I'm going to pay $$$ for "insurance" It needs to be the right kind. I'll definitely be looking into ACLDN and NRA probably together. Any others out there you would recommend?

 

[Chris Reitsma]

I am a Texas concealed handgun instructor and a NRA firearm instructor and I have Texas Lawshield. They cover criminal and civil 100 percent. They also cover you in states other than Texas . They are attorneys and you become there client when you join and you are givin a number number answered by a real attorney 24/7 check them out at. http://www.texaslawshield.com. They are the real deal. They become your attorneys the minute you join

 

[Ted C]

I am a Texas concealed handgun instructor and a NRA firearm instructor and I have Texas Lawshield. They cover criminal and civil 100 percent. They also cover you in states other than Texas . They are attorneys and you become there client when you join and you are givin a number number answered by a real attorney 24/7 check them out at. Link Removed. They are the real deal. They become your attorneys the minute you join

Thanks Chris, but the Texas Law Shield doesn't seem to be offered for North Carolina Residents I also did some reading into CHLPP Insurance claims of unlimited coverage at half the cost of NRA Insurance, but the more i look at their unprofessional website with only 32K visit in 7 years, the more I get squeamish about giving them my money as well. It looks like NRA Coverage with a ACLDN retainer might be the ticket.

 

[rotjovi]

I had a 1 million dollar civil and criminal defense policy added to my home owners ins. Most have a $350,000 on theirs and don't know it. It's $50.00 a year extra to bump it to a million through Farmers Ins. Call your agent. An attorney's magic # is 350,000, but the extra will get you the best out there.