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Concealed Carry Discussion General discussion regarding CCW/LTC in California

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  #1  
Old 10-19-2017, 12:52 PM
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Default CCW Insurance comparison chart

Found this pretty good in comparing insurance companies.

https://www.concealedcarry.com/self-...rams-compared/
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Old 10-19-2017, 2:19 PM
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Nice find.
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Old 10-19-2017, 2:23 PM
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Should be a sticky
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Old 10-20-2017, 11:23 AM
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Yep, sticky please!
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Old 10-20-2017, 4:24 PM
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Read carefly. For example,Second Call's liability coverage is $50000 per claim and % $300000. Unless you expect many claims, the policy.
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Old 10-20-2017, 4:34 PM
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Very valuable document.
Thanks man!
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Old 10-21-2017, 1:52 AM
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Good source of information.
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Old 10-21-2017, 6:24 AM
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GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.

Last edited by TurboChrisB; 10-21-2017 at 6:29 AM..
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Old 10-23-2017, 11:04 AM
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Quote:
Originally Posted by TurboChrisB View Post
GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.
I haven't the time to review the accuracy of that chart, but one thing is misleading. Just looking at details of the NRA policy the web site says:

Quote:
Instant access to payments for bail, bonds, legal retainer fees, and legal referrals.
I would have to read the policy language to say better what is meant by "instant access", but it isn't clear that it is reimbursement.

One thing to watch out for with any plan is what happens if you plead or are are found guilty upon trial of any crime. The last I looked one of the most popular plans wouldn't pay anything. Read the details of the actual policy before buying.
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Old 10-23-2017, 10:22 PM
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Thank you op very informative chart. Tagged.
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  #11  
Old 10-24-2017, 9:37 AM
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I agree CCW Safe and USCCA seem to be the best choices bases on that chart. If you have assets, then I think you have to nut up and get USCCA for the civil liability coverage.

I had an interesting chat with a customer of mine who is a State Farm agent, he said they offer CCW coverage... haven't got into detail yet what that actually means as I have AAA and not State Farm on my property.
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Old 03-26-2019, 11:31 AM
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Default Carry Guard

I just got off the phone with Lockton Affinity NRA/Carry Guard and was told:

"State of California does not allow us to pay up front for bail and for attorney retainer." Nothing upfront allowed by California law.
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Old 03-26-2019, 11:46 AM
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saved. thank you!
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Old 03-31-2019, 5:00 PM
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Quote:
Originally Posted by TurboChrisB View Post
GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.
I talked to Carry Guard the other day and they said to me "California will not allow us to pay any legal fees, bail, etc., until after adjudication of the case." So you are correct "no up front fees." Too bad they did not tell me that last year when I purchased the policy.
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Old 03-31-2019, 5:18 PM
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CCW safe is still the best coverage best I can gather.
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Old 03-31-2019, 5:21 PM
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Quote:
Originally Posted by ACfixer View Post
CCW safe is still the best coverage best I can gather.
How much coverage did you buy and how do you feel about not picking your own attorney? Thanks.
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Old 03-31-2019, 6:05 PM
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Nice find. Great information
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Old 03-31-2019, 6:53 PM
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Quote:
Originally Posted by Slater1 View Post
How much coverage did you buy and how do you feel about not picking your own attorney? Thanks.
I have the ultimate $499 plan. How do I fee about the attorney thing? I feel they probably have a better line on a good SD lawyer than I do. They have a track record of successfully defending a SD murder charge and it's in their best interest to get you off so they are less likely to pay civil damages.

Let's pray to God this is never an issue.
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Old 03-31-2019, 7:02 PM
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Ok, thank you. I may do the Defender Plan and add on Civil Liability of $1 million, which, nicely, is for damages only and is over and above the cost of the civil litigation. $179 + $220 = $399. I need to look at the Ultimate Plan again, but I think I didn't choose it is because I do not have a spouse who needs coverage. Thanks again.
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Old 03-31-2019, 7:05 PM
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Quote:
Originally Posted by TurboChrisB View Post
GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.
Since I researched this recently I learned that for $220 you can add Civil Protection for $1 million, which is over and above the litigation part of a civil trial. Hope this helps.
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Old 03-31-2019, 7:05 PM
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Quote:
Originally Posted by Slater1 View Post
Ok, thank you. I may do the Defender Plan and add on Civil Liability of $1 million, which, nicely, is for damages only and is over and above the cost of the civil litigation. $179 + $220 = $399. I need to look at the Ultimate Plan again, but I think I didn't choose it is because I do not have a spouse who needs coverage. Thanks again.
It comes with double the bail coverage as well. Yeah I might be able to save $40 or $50 if I did the defender + the add-ons, but I just feel that additional few bucks is worth it for their best policy.
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Old 03-31-2019, 7:17 PM
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Quote:
Originally Posted by Slater1 View Post
I talked to Carry Guard the other day and they said to me "California will not allow us to pay any legal fees, bail, etc., until after adjudication of the case." So you are correct "no up front fees." Too bad they did not tell me that last year when I purchased the policy.
I heard this issue was specific to NRA Carry Guard (and I believe 1 other provider) at an NRA Members Council Meeting. I believe USCCA, CCWSafe and/or ACLDN are not impacted due to the way they are structured as not insurance companies.
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Old 03-31-2019, 7:36 PM
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Thanks I want a second layer

Thank you for sharing.
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Old 04-05-2019, 2:08 PM
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Thank you for sharing.
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Old 04-05-2019, 2:50 PM
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Be advised that Assembly Bill 1602, if passed, would not allow these types of policies in California.

http://leginfo.legislature.ca.gov/fa...01920200AB1602
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Old 04-05-2019, 8:47 PM
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That's F@$%ing insane! What's wrong with our state...
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Old 04-06-2019, 1:22 AM
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Default Class action Federal Lawsuit.

Be advised that Assembly Bill 1602, if passed, would not allow these types of policies in California.

http://leginfo.legislature.ca.gov/fa...01920200AB1602
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Not a lawyer, but it would seem to me that this could open up a "Class Action" lawsuit for "Civil Rights" violations.

We have a Constitutional right to have legal counsel, denying us legal insurance would affording a legal defense impossible for most people.
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Old 04-06-2019, 4:45 AM
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Notre, Armed Citizens Legal Defense Network is not an insurance program, so it cannot be fairly compared with insurance programs.

ACLDN, is a group of CCW holders that pool a portion of their yearly dues for defense AND give yearly DVD training and monthly newsletters to inform it's members to prevent CCW related problems.
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Old 04-30-2019, 3:14 PM
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Quote:
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Be advised that Assembly Bill 1602, if passed, would not allow these types of policies in California.

http://leginfo.legislature.ca.gov/fa...01920200AB1602
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Not a lawyer, but it would seem to me that this could open up a "Class Action" lawsuit for "Civil Rights" violations.

We have a Constitutional right to have legal counsel, denying us legal insurance would affording a legal defense impossible for most people.
I share your concern on this, I'm top tier USCCA member and I'm sure lots of others share the concern.

Last edited by rudigan; 04-30-2019 at 3:17 PM..
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Old 05-11-2019, 3:12 PM
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just joined uscca as elite w/ spouse... dropped carry guard and told them to get lost. Carry Guard would not clarify their Cali status and also wouldn't refund my unused time on my policy.. classy.
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Old 07-19-2019, 8:50 PM
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Seems I would narrow the gap down between the carriers that allow me to choose my own attorney
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Old 07-20-2019, 9:57 AM
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FWIW I listen to CCW Safe's podcast (and am a member of CCW Safe) and they said they highly recommend using a lawyer they choose but if you want to use your own lawyer they will consider it. I believe they said they look into your lawyers history and if it looks good they will work with them.
Can always call CCW Safe and confirm however.
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Old 07-20-2019, 7:52 PM
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As an aside, I have emailed most of these "insurance" carriers and asked them to include "red flag" legal coverage. I would gladly pay extra. Please help by sending similar emails, with enough demand, one of them will eventually offer it.
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Old 07-24-2019, 9:03 AM
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Attorney Andrew Branca chose CCWSAFE for his own legal protection. That is a pretty solid endorsement.

Not sure how long the code is good for, but you can save 10% on a membership with code LOSD10
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Old 07-24-2019, 10:12 AM
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NRA ended it's insurance with their Carry Guard program this month.

https://www.thetruthaboutguns.com/nr...-aspect-idled/
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Old 07-24-2019, 11:29 AM
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What about Firearms Legal Protection on this chart? Other than Civil Damages, it seems to rank up there with CCW Safe with regards to other criteria?
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