Alyssa Lane
The United States Concealed Carry Association (USCCA) offers legal protection for self-defence scenarios, as well as resources and training for firearm users. While it is not a traditional insurance company, USCCA provides its members with self-defence liability insurance. The company offers three membership tiers with different costs and benefits, including liability protection from civil suits and criminal defence protection. USCCA's insurance coverage is legitimate and considered one of the best options in the market, with reasonable prices and immediate payment of fees. However, some reviews highlight concerns about the company's sales approach, lack of claims satisfaction information, and the possibility of being sued by the insurer to recover costs if found guilty. Ultimately, the decision to choose USCCA insurance depends on individual preferences, budget, and specific needs.
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What You'll Learn
USCCA insurance legitimacy
The United States Concealed Carry Association (USCCA) offers legal protection for self-defence scenarios and resources for CCW education and firearm training to its 850,000 members. Although it is not "ccw insurance", it is the easiest way to explain what they provide and is the most common term used to talk about such companies. Technically, the USCCA offers self-defence liability protection.
USCCA is legitimate and is considered one of the best CCW insurance options on the market. It is backed by Universal Fire and Casualty Insurance Co., a reputable insurance company with an "excellent" ability to pay its claims. The USCCA also partners with Delta Defense, which provides customer service for your policy and 24/7 support immediately after an incident.
USCCA has three membership levels, each with different costs and benefits. The lowest tier, Gold, used to be $29/month but now costs $39/month. The Platinum tier costs $39/month, and the Elite tier costs $49/month. All packages have the same legal liability coverage, and the only difference is that you pay extra for more training, resources, and gear.
One of the benefits of USCCA is that it covers upfront costs, unlike many other CCW insurance companies that reimburse you after the court battle. USCCA will also provide you with a self-defence expert witness who can testify for you in court. Additionally, USCCA coverage is not limited to specific states, so if you travel and have to use your firearm defensively in another state, you will still be protected.
However, it is important to note that USCCA coverage is only for self-defence situations and does not cover criminal acts or accidents. There are also some concerns about USCCA's recovery and recoupment clause, which states that they reserve the right to go after the insured to recover defence expenses if the insured is found guilty in a court of law.
Ultimately, the decision to purchase USCCA insurance depends on individual preferences, budget, and risk tolerance. While it may be worth it for the peace of mind and the comprehensive coverage it offers, there are other competitors in the market, such as US Law Shield and CCW Safe, that may offer similar or alternative benefits that better suit one's needs.
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USCCA insurance costs
The United States Concealed Carry Association (USCCA) offers legal protection for self-defence scenarios and other resources for CCW education and firearm training to its 850,000 members. USCCA offers three membership levels, each with different costs and benefits. The lowest tier, the Gold membership, costs $39 per month or $399 per year. The Platinum membership costs $49 per month or $499 per year, and the Elite membership costs $59 per month or $599 per year. The annual plans offer savings of $69, $89, and $109, respectively.
The main difference between the membership levels is the amount of training, USCCA resources, and gear included. All packages have the same legal liability coverage, and the higher tiers include access to more training. The training benefits include online courses in topics like handgun safety, marksmanship fundamentals, and qualifications training. Members also get access to the Protector Academy®, which combines local USCCA Partner Range training with online courses, videos, and guides.
In addition to the training benefits, USCCA membership includes self-defence liability insurance. This insurance covers legal liability coverage, with no limit on attorney fees, court costs, and associated charges for both civil and criminal court cases. It also includes up to $2 million per year in compensatory damages in civil court and up to $250,000 in bail bond coverage.
The cost of USCCA insurance is worth considering, especially when compared to other options on the market. While the chances of needing CCW insurance are low, the potential costs of a legal case involving self-defence with a gun are high. USCCA insurance provides peace of mind and financial protection in the event of a self-defence incident. However, it is important to note that USCCA reserves the right to recover defence expenses from the insured if they are found guilty in court. Ultimately, the decision to purchase USCCA insurance depends on individual preferences, budget, and risk tolerance.
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$19.92 $29.95
USCCA insurance coverage
The United States Concealed Carry Association (USCCA) offers legal protection for self-defence scenarios and resources for CCW education and firearm training to its 850,000 members. Although it isn't technically "CCW insurance", USCCA provides self-defence liability protection and access to "liability insurance" for all members.
USCCA offers three membership levels with different costs and benefits. All packages have the same legal liability coverage, with the option to pay extra for more training, resources, and gear. The lowest tier is $29 per month, followed by $39 per month, and the highest tier is $49 per month. The same insurance package is included with all levels of membership, so if you only want the insurance benefits, the cheapest plan, called the Gold tier, is the best option. The higher tiers offer more benefits beyond insurance.
USCCA's coverage is only for self-defence and does not include criminal acts or accidents. For example, if you accidentally fire at someone while hunting, you won't be protected. It also does not cover incidents that are a result of war, civil uprising, or part of your job's official duties.
USCCA's insurance is legitimate and considered one of the best options on the market. It is backed by Universal Fire and Casualty Insurance Co., which has an "excellent" ability to pay its claims. The company also partners with Delta Defense, which provides customer service for your policy and 24/7 support immediately after an incident.
One of the biggest benefits of USCCA is that any fees or bills from a civil or criminal trial are paid immediately, rather than at the end of the case. This is in contrast to other gun insurance companies that require you to pay upfront and will reimburse you later. USCCA will also cover your lawyer retainer fee, depending on the level of membership, and provide a self-defence expert witness.
However, it's important to note that USCCA reserves the right to go after the insured to recover defence expenses if the insured is found guilty in court. This is a significant consideration for those seeking insurance.
Ultimately, the decision to choose USCCA insurance depends on individual preferences, budget, and risk tolerance. While the chances of needing CCW insurance are low, having insurance can provide peace of mind and financial protection in the event of a self-defence scenario.
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USCCA insurance customer service
USCCA, or the United States Concealed Carry Association, offers legal protection for self-defence scenarios and resources for CCW education and firearm training to its members. The company provides three membership levels, each with different costs and benefits. The lowest tier, which previously cost $29 per month, now costs $39 per month. All packages have the same legal liability coverage, with members paying extra for more training, resources, and gear.
USCCA's customer service is provided by Delta Defense, LLC, a licensed insurance agency in all 50 states and the District of Columbia, with its principal office in West Bend, Wisconsin. Delta Defense provides sales, marketing, operations, and administrative support services to the USCCA. The company's customer engagement team can be contacted via phone, email, text, or social media, and is available 24/7.
USCCA's customer service team assists with a range of queries, including membership upgrades, cancellations, billing information changes, and membership reactivations. They also provide support for members facing the aftermath of a self-defence incident, guiding them through the process and connecting them with an attorney.
While USCCA's customer service team is available to help with various issues, some reviews suggest that the company's insurance coverage has a significant drawback. USCCA reserves the right to recover defence expenses from the insured if they are found guilty in court. This has been highlighted as an important consideration for potential customers.
Overall, USCCA's customer service team appears to be responsive and accessible, providing support to members through various channels and at any time of day. However, it is essential to carefully review the terms and conditions of USCCA's insurance coverage to understand all the inclusions and exclusions.
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USCCA insurance alternatives
USCCA insurance offers legal protection for self-defence scenarios and provides resources for firearm training and education to its 850,000 members. While USCCA is one of the best CCW insurance options on the market, there are other alternatives available.
CCW Safe
CCW Safe is a legal defence coverage plan that offers the best legal protection. It is a no-strings-attached defence plan that covers upfront costs and provides a self-defence expert witness. CCW Safe also has a Family/Domestic Violence Exclusion clause, which means they will cover occurrences of family or domestic violence.
US LawShield
US LawShield is another legal defence coverage plan. However, unlike CCW Safe, they do not have a Family/Domestic Violence Exclusion clause. A potential drawback is that they do not allow you to select an attorney outside of their network.
Attorney Retainer Service
An attorney retainer service is not an insurance policy, but it covers your court costs by providing a pre-arranged retainer that covers potential future court costs. The catch is that you will need to retain attorneys that can practice in the jurisdiction in which you are charged, so it is better to sign up for a network rather than an individual attorney.
The best option for you will depend on your specific needs, budget, and risk tolerance. It is important to carefully review the terms and conditions of each plan to understand the coverage and any potential limitations or exclusions.
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Frequently asked questions
USCCA insurance is legitimate and offers one of the best CCW insurance plans in the industry. It is backed by Universal Fire and Casualty Insurance Co., a reputable insurance company with an "excellent" ability to pay its claims. The USCCA also provides immediate coverage of legal fees, unlike other companies that reimburse you later. However, it is the most expensive option, with prices ranging from $29 to $49 per month, and it only covers self-defence situations, excluding accidents and criminal acts. Ultimately, whether it is worth it depends on your financial situation, preference, and specific needs.
USCCA insurance provides legal protection for self-defence scenarios, covering legal fees, bail expenses, and loss of earnings. It also offers resources and training for its members, including online courses, reading materials, and a Concealed Carry Expo. Additionally, USCCA does not have a Family/Domestic Violence Exclusion clause, meaning they will cover these occurrences.
The main drawback of USCCA insurance is the cost. With the recent price increase, the lowest tier is now $39 per month, making it the most expensive option compared to its competitors. Another potential drawback is that USCCA reserves the right to recover defence expenses from the insured if they are found guilty in court. Lastly, USCCA only covers self-defence situations and does not provide coverage for accidents, criminal acts, or incidents related to war, civil uprising, or job duties.
