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  #1  
Old 01-08-2019, 8:17 PM
CBR_rider CBR_rider is offline
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Default Retired CCW insurance

Looks like retirement will be knocking on my door shortly, just wanted to say thanks again for all the tidbits about new gigs I got in my last thread.

I have a new question: CCW insurance; do any of you retired folks (or perhaps just well read folks) have any insight into using PORAC plan V insurance vs/in conjunction with any other CCW insurance?

I have started going through the paperwork for PORAC plan V and it seems pretty good (on paper at least)... im wondering if Going with the plan V and maybe just getting a larger umbrella policy or something from homeowners is as good a course of action as it is looking like to me at this point.

I know, I know this is one of those things I should have researched more... but I’m doin it now!
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Last edited by CBR_rider; 01-08-2019 at 8:20 PM..
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  #2  
Old 01-08-2019, 8:46 PM
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JCHavasu JCHavasu is offline
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I know how you feel. I retired in August and have yet to enroll in plan V though I have been thinking about it. I should get off my *** and do it this week. And congrats on the retirement! I highly recommend it...
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Old 01-08-2019, 9:33 PM
P5Ret P5Ret is offline
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So far my only complaint is the price went up this year. Haven't had to use it and hope that I never do.
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Old 01-08-2019, 10:04 PM
CBR_rider CBR_rider is offline
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Originally Posted by JCHavasu View Post
I know how you feel. I retired in August and have yet to enroll in plan V though I have been thinking about it. I should get off my *** and do it this week. And congrats on the retirement! I highly recommend it...
Glad I'm not alone... I'm kinda looking forward to it; its alot earlier than I had hoped but it's a chance for a fresh start!

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Originally Posted by P5Ret View Post
So far my only complaint is the price went up this year. Haven't had to use it and hope that I never do.
I thought it was a steal at the current price haha, guess I'm glad I don't know what it cost before.

What do you do/think about regarding the fact that the insurance only covers legal fees? Do you have a larger personal policy with a pot of money in case you ever have to pay out for some kind of civil nonsense or something?
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[BTW, I have no problem seeing DEA Agents and drug cops hanging from ropes, but that's a separate political issue.]
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Old 01-09-2019, 2:54 PM
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SVT-40 SVT-40 is offline
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Only works if you stay in CA. Not available for out of state retirees.
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Old 01-09-2019, 9:42 PM
P5Ret P5Ret is offline
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Quote:
Originally Posted by CBR_rider View Post
I thought it was a steal at the current price haha, guess I'm glad I don't know what it cost before.

What do you do/think about regarding the fact that the insurance only covers legal fees? Do you have a larger personal policy with a pot of money in case you ever have to pay out for some kind of civil nonsense or something?
It wasn't a huge increase but since I'm cheap I notice.

Honestly I have a personal liability coverage I picked up year's ago, it's not 100% great, but better than nothing.
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Old 01-10-2019, 6:17 PM
CBR_rider CBR_rider is offline
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Quote:
Originally Posted by SVT-40 View Post
Only works if you stay in CA. Not available for out of state retirees.
Awww, for real?
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[BTW, I have no problem seeing DEA Agents and drug cops hanging from ropes, but that's a separate political issue.]
Stay classy, CGF and Calguns.
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  #8  
Old 01-10-2019, 9:21 PM
P5Ret P5Ret is offline
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Quote:
Originally Posted by CBR_rider View Post
Awww, for real?
No.
From the plan FAQ's

Will this protect me outside the State of California?

Yes, if you meet all of the requirements under the Plan and are not subject to any of the exclusions, then RAM/LDF will provide you with legal representation for any civil or criminal matter arising out of your use of a firearm in self-defense or the defense of others, within the United States.


From the membership brochure.

 Open to any honorably retired
peace officer throughout the US
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  #9  
Old 01-12-2019, 4:16 PM
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joefrank64k joefrank64k is offline
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The PORAC plan is the best deal in town..don’t leave home without it, haha!!
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If I were you, I would not pass this up. I would not let this go by...this is rare.
Come on...what harm??
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  #10  
Old 01-12-2019, 5:44 PM
Bart1015 Bart1015 is offline
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I use PORAC. It is good out of state.
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  #11  
Old 01-12-2019, 5:57 PM
CBR_rider CBR_rider is offline
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Whew... I am likely going to move out of state so I am glad to hear that the plan is good for those of us who make that decision. I’m actually on the road now scouting out maybe a new “home” so I will fill out that paperwork when I get home!

Thanks!
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[BTW, I have no problem seeing DEA Agents and drug cops hanging from ropes, but that's a separate political issue.]
Stay classy, CGF and Calguns.
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