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| Concealed Carry Discussion General discussion regarding CCW/LTC in California |
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#1
10-29-2015, 6:41 AM
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CCW insurance coverage!
I know this has been posted before so no need to say "dupe".
 I wanted to share my personal opinion on the TWO CCW insurance policies I have. I decided to become a member of ccwsafe.com and USCCA.com. Each policy is a bit different but I wanted the maximum coverage I could get so I bought both. Firstly, ccwsafe.com cost $124.00 per annum and includes a $1,000,000 bail bond if needed. It is really not an insurance policy but an indemnity policy. If you need it they will provide you with expert lawyers to defend you both criminally and civilly. Any needed investigators or other experts will be brought in to defend you. ZERO money out of pocket as long as your self-defense shooting incident is done in a place where your CCW is recognized. Secondly, USCCA is an actual insurance policy. It is more expensive at $360.00 per year at the platinum level. It requires you to lay out the money for a lawyer and if/when you are found innocent they will reimburse you. Most of us do not have that kind of money lying around to hire a good lawyer to defend ourselves. I really did not like this policy, however, I bought it anyway because there is one thing in this policy that ccwsafe does not have. That being that it will pay you $500.00 per day that you are forced to miss work as a result of having to defend yourself in any court proceedings resulting from your self-defense shooting incident. This feature alone was enough for me to want to spend the money on both policies. All told it costs around $500.00 per year for both policies and is well worth the money IMO. I hope I never need to use it but it is nice to know that it is there if needed. Both policies are very easy to get and all you do is sign up online with your credit or debit card and you are covered immediately. Also, with your USCCA membership you get a really informative magazine called "Concealed Carry", which has a lot of great information for CCW holders. I can sleep better at night this way. This CCW holders 2 cents anyway!
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne!  "Liberalism Is A Mental Disorder"-Michael Savage!  "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius!  "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
Last edited by Big Jake; 11-26-2017 at 2:13 PM.. 
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#3
10-29-2015, 7:10 AM
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Thanks Big Jake. I got to put a few dollars away to get the platinum. It's on my list!
Carry safe!
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#4
10-29-2015, 7:14 AM
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Glad my suggestions help guys. As always, carry safely and may you never need to use it except, of course, at the range!
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#5
10-29-2015, 8:01 AM
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Thanks for the review, Jake. Once I get my CCW, I will sign up for CCW Safe for sure.
__________________
Lifetime NRA member. -------------------------- Molon labe
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#6
10-29-2015, 12:23 PM
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Quote:
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#7
10-29-2015, 12:26 PM
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More I researched these "plans," the less convinced I was that they'd be there if I ever needed them.
My view? Carrying concealed is already an "insurance policy" for a very unlikely occurrence. I'm not sure it makes sense to keep buying more layers of insurance, especially when the available options aren't iron clad.
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#8
10-29-2015, 12:59 PM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#9
10-29-2015, 1:00 PM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#11
11-02-2015, 12:23 PM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#12
11-02-2015, 3:19 PM
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Quote:
Sent from my iPhone using Tapatalk
__________________
Like granular silica through an equatorially constricted chronographic vessel, so are the circadian georotations of our metabolic persistences.
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#13
11-02-2015, 4:04 PM
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__________________
 NRA LIFE MEMBER
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#15
11-06-2015, 8:27 PM
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__________________
Q: What was the most positive result of the "Cash for Clunkers" program? A: It took 95% of the Obama bumper stickers off the road. Quote:
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#16
11-06-2015, 9:28 PM
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Full disclosure I am a CCW Safe authorize dealer. Just for clarity I wanted to add a couple of things.
1) if CCW safe has to defend you (and they cover appeals) they will bill your USCCA legal coverage for recovery. [That's fair]. 2) USCCA covers liability in addition to legal and bail. 3) Don't discount the educational value of USCCA. The magazine is more than a collection of ads, and the weekly tactical discussions are worth the time to watch, and the online article worth reading. At the lowest level which is still valuable the pair cost $242. $99 For CCW Safe, and $143 for USCCA. If something goes down, CCW doesn't refer a lawyer and investigator specializing in CCW law, they send one. They tell you up front, exercise your right to remain silent and wait for your attorney. Good value, worth checking out. By the way CCW Safe puts out on going educational articles, based on real incidents form the legal perspective. Worth reading those too. Stay Safe
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#17
11-06-2015, 9:34 PM
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tagged for later
__________________
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#18
11-07-2015, 5:11 AM
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 It's a simple no brainier to me. I hope I never need to use it but like all insurance it's only expensive until you need it!
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
Last edited by Big Jake; 11-07-2015 at 5:14 AM..
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#19
11-07-2015, 8:07 AM
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I figure my freedom is worth more than my cars, and I spend $1600 a year protecting them.
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#20
11-07-2015, 8:15 AM
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My 1911 IS my insurance, and the murderin', thievin', rapin', stealin' sumbeech that crosses me, better stand in good with the Lord.
OTHERWISE... HE'S gonna need some FIRE insurance... 
__________________
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#21
11-07-2015, 8:21 AM
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Thank you for review. If both policies work for you then great! I do hope it's smooth if it ever comes down to it.
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#22
11-07-2015, 1:15 PM
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I didn't realize USCCA requires you to lay out the cash for your attorney? I must have read something wrong
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#23
11-09-2015, 4:12 AM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#24
11-09-2015, 7:22 AM
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CCW insurance coverage!
CCW Safe for legal representation, private investigator, etc. USCCA for $1,000,000 civil liability insurance and bail money.
CCW Safe is a more professionally run operation. USCCA is always hawking one of Tim's books or DVD's or something. Both together are better than one alone, but if I had to choose just one it'd be CCW Safe. Sent from my iPhone using Tapatalk
__________________
Like granular silica through an equatorially constricted chronographic vessel, so are the circadian georotations of our metabolic persistences.
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#25
11-09-2015, 8:01 AM
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so let me get this straight, uscca requires you to pay for a lawyer, but if you have ccw, one will be provided for you w/o out of pocket, and then ccw will bill uscca if you win, afterward. so im only looking at uscca for missed time work compensation?
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#26
11-09-2015, 10:50 AM
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#27
11-09-2015, 11:12 AM
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ccw insurance
I have Second Call Defense Insurance. Have not needed it yet, and hopefully won't! It provides a lawyer with a second call after being detained or arrested. The insurance has three layers of coverage, with each covering different amounts. I have the platinum, which is $35.00 a month. This was a no-brainer for me, as it gives me peice of mind.
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#28
11-09-2015, 11:59 AM
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USCCA New Benefits
Hi everyone! As of July of 2015, we've made some great added benefits even more valuable! The USCCA no longer has a "reimbursement" policy! Your defense is paid out as you go up to $100,000 with our Platinum Plus membership! We also have a Critical Response Team to assist you with retaining an attorney on your behalf wherever your self-defense shooting would occur in the 50 states. Our Mission is to Educate, Train and Insure Responsibly Armed Americans, therfore our Education and Training comes in the form of DVDs or emails that are sent out daily. Please visit our website for the most recent changes to our memberships, https://www.usconcealedcarry.com/, or contact our Customer Service Department at 855-877-9199. Stay safe!
Last edited by USCCA2004; 11-09-2015 at 12:04 PM..
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#29
11-09-2015, 3:28 PM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#30
11-09-2015, 3:45 PM
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I'm considering CCW safe for now because I can't afford the other one but my question is will they cover the attorney fees and will they send me one if something happened or I have to get an attorney ?.
Thanks
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#31
11-09-2015, 4:37 PM
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USCCA has a monthly plan if you can't pay for the full year.
__________________
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#32
11-09-2015, 4:38 PM
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#33
11-09-2015, 11:20 PM
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I also recommend CCW Safe. They cover all your legal fees plus $250,000 to $1Mil bail (depending on the plan you go with) Plus the staff and customer service are all very professional. I actually had the COO called me back when I had a question this one time.
__________________
Proud grandson of a WWII Filipino Guerrilla Veteran Constitutionally Conservative Independent Voter   
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#34
11-10-2015, 3:58 AM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#35
11-10-2015, 4:00 AM
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Also, I put both USCCA and CCWsafe telephone numbers in my cell phone so if I need them I won't need to waste time looking for the number. Suggest everyone else do the same!
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
Last edited by Big Jake; 11-11-2015 at 12:09 PM..
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#36
11-11-2015, 9:59 AM
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USCCA Coverage
Hi everyone! The USCCA will work with other programs. If you are involved in a self-defense shooting, both insurance parties will speak with each other to determine who is primary and who is secondary.
Again, the USCCA provides an immediate bail bond and immediate retainer fee for the attorney and wil our Critical Response Team, your Case Manager will find an attorney on your behalf. Just another added benefit to give you peace of mind! Stay safe!
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#37
11-11-2015, 12:10 PM
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Quote:
__________________
"Life Is Hard. It's Harder When You're Stupid"-John Wayne! "Liberalism Is A Mental Disorder"-Michael Savage! "The Object of Life Is Not To Be On The Side Of The Majority, But To Escape Finding Oneself In The Ranks Of The Insane"-Marcus Aurelius! "Dr. Thomas Sowell Is A National Treasure"-Big Jake!
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#39
11-14-2015, 7:22 PM
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Quote:
sent from my bag phone
__________________
Q: What was the most positive result of the "Cash for Clunkers" program? A: It took 95% of the Obama bumper stickers off the road. Quote:
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