Is This The Best Concealed Carry Coverage?
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- Опубліковано 24 лип 2024
- Today I'm going to be talking about the best concealed carry coverage for you and your family. There are a lot of different types out there but there is one that stands out head and shoulders above the rest. Also, side note: this video is NOT paid for, sponsored, or requested by CCW Safe.
► Sign up for CCW Safe “the best concealed carry armed citizen coverage on the market” and save 10% with code “carrytrainer” at ccwsafe.com
0:00 - The Best CCW Coverage
0:14 - Video is NOT sponsored by CCW Safe
0:27 - Overview of CCW Coverage
1:15 - Setting Aside Preconceived Ideas
2:25 - How I Know CCW Safe
3:07 - Questions To Ask
3:12 - Criminal Defense Costs
3:22 - Bond Costs
3:45 - Civil & Administrative Defense Costs
4:55 - Private Investigators Costs
5:24 - Expert Witness Cost
5:34 - Recoupment Policy
7:11 - Bond Coverage
7:21 - Bond, Experts, and Trial costs
7:34 - Civil Liability
7:57 - Wasting Policies
8:37 - Spouse & Children Home Invasion
9:18 - Attorney Selection
10:58 - Critical Response Team
11:41 - Court Appearance Coverage
12:03 - Multi-state Coverage
12:57 - Experience
13:42 - Problem with Plea Deals
14:40 - Best Self Defense Attorneys
15:30 - Avoiding Hype
16:26 - Ask Your Provider
17:12 - Education
18:05 - Coverage Discount
18:24 - Outro
RESOURCES & LINKS:
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CCW Safe CCW Coverage: ccwsafe.com
Concealing a Gun // Must Have Skills Part 10: • Concealing a Gun // Mu...
Upcoming Carry Trainer Courses & Programs: carrytrainer.com
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QUESTIONS TO ASK
- Are 100% of criminal defense costs covered up front, with no occurrence limit?
- What’s the impact of bond costs on defense costs?
- Is 100% of civil defense costs covered up front, with no occurrence limit?
- Are 100% of administrative defense costs covered up front, with no occurrence limit?
- Are 100% of private investigators' costs covered up front, with no occurrence limit?
- Are 100% of expert witness costs covered up front, with no occurrence limit?
- What is your recoupment policy?
- How much is your bond coverage?
- Do you cover100% of bond, experts, and trial costs, at no extra cost?
- How much civil liability coverage can I add?
- Do you use the “wasting policies” method?
- Are my spouse and children under 18 covered for home invasions for free and a bond?
- Can I select my own attorney or do I have to use your network?
- Do you have a “boots on the ground” critical response team?
- How many court appearances is your coverage good for?
- Do you offer multi-state coverage?
- Will I be covered in home invasions, hotels, vacation homes, RVs, and anywhere else I have reciprocity? -
- Are multiple permits covered?
- How much legal experience do you offer?
- How much law enforcement experience do you offer?
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• Is This The Best Conce...
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You don’t have to tell me twice. I’ve been with USCCA since 2019, the Elite package. The premium just surpassed $70 per month, and I never left the house!! I just finished my enrollment with CCW Safe Got their Ultimate package for just over $40 per month. I’ll call the other guys Monday and cancel with them. I’m living on retirement income now so that $30 savings is a big deal. Always appreciate the “heads up”, Mick.
US Lawshield is like $130 for the whole year - Basic coverage. Add more features is like $170 per year.
My wife and I have been an elite USCCA members since 2019. Paying $73.36 a month. This video has me thinking.
@@Bulldog75stp I don't like USCCA because they give you "free" stuff if you sign up. It feels like a marketing business. It membership is pricey. USCCA can ask you to payback attorney and court fees if you are found guilty in court.
@@villafontananorte They also don't cover you if you're charged with a crime.
I just saw a video where the person was going through the contract WITH USCCA and it seems that in the contract they will not cover if charged with a crime. Most places will charge you if they can. Do you have a paper copy of your policy contract with you that you can see if this is indeed there. Thanks.
Attorneys on retainer will cover you even if you’re carrying unlawfully (as long as it’s self defense) so if you accidentally drive into NY and have to defend yourself they will support you! That’s a real company.
Exactly, all these other companies look for reasons to NOT cover you! This includes CCW, USCCA and others. Go with "Attorney's on Retainer"!!!!!!!!!!!!!!
Agree 100%. They should be paying you. You did a great job laying it all out. Kudos to you for taking the time to do it. I'm in my 2nd year of membership.
I signed up with CCW Safe a few months ago. What a relief it is. Peace of mind. Now I know I made the right choice! Thank you
Really appreciate the informative video! I appreciate the time stamp and well as list of pertinent questions to ask in the description.. You rock!
As a member, I asked Law Shield a legal question about carry to an upcoming convention. They sent me a useless form letter the day after I got back from the convention. I got no reply to any follow up requests for clarification. They sure sent me over a dozen demands for money when my membership approached expiration, though.
I just asked CCWS the same question. They answered me twice, the same day. Clearly, CCWS is hungry and responsive and Johnny-on-the-spot.
Who would you want repping you in a judicial battle?
Thanks for sharing this. Yet another market full of BS and false representation to navigate.. it never gets old
Just to be clear, that's a salesman, not a lawyer doing that.
I’ve had CCW Safe for several years now and totally love them. I work in law enforcement and carry at least 1 firearm on me at all times when I’m not at work. With CCW Safe, I ended up choosing them after doing tons of research between the different self defense companies and policies offered. I saw lots of advertisements and commercials for USCCA and almost went with them but when I compared what they offered in conjunction with CCW Safe, the benefits and coverage offered through CCW Safe was far better! I then researched what people were saying about CCW Safe and what folks who had it and had to use it had to say as well. Once I saw that, CCW Safe was the clear cut choice. USCCA had recoupment costs if folks were found guilty, even if they were not.
Everything that was said in this video was true! If anyone has any questions concerning CCW Safe, please feel free to ask me anything you want about it because I truly do think CCW Safe offers the best coverage out of every self defense company/insurance available!
Lawyer, is it on me to find one? Or will they provide one.? I don’t know any lawyers. So when I get my one phone call, sitting in jail is this when I’m calling hotline for representation hoping to talk to a lawyer?
@@MachineGod69, with your phone call, yes call them first! And in jail you get more than 1 phone call. You can buy phone time but always call them first! If you are in a self defense situation, call the Police first. Tell them you were in a self defense situation and were in fear of either serious bodily injury or death, you will fully cooperate with them but you want to speak to an attorney first but until then you will be exercising your right to remain silent and then do exactly that! If possible, call CCW Safe before law enforcement shows up or while they are there. Every policy comes with a card that has a number to call 24/7 365. And then they get to work.
The night after Christmas 2021 I had at least 2 people attempt to break into my house. Fortunately, I have numerous layers of security they would of had to defeat but if they had I was in a very good tactical position to have shot them the moment they breached my door. They left literally 2 minutes before local arrived. But after local showed up I still called CCW Safe in the event that any false accusations were made. And they were amazing. I actually work in law enforcement too but I still wanted them called even though there was overwhelming video evidence of the event. Nothing ever happened on my end as I knew it wouldn’t but having CCW Safe was a huge relief because had they entered my house, they would have then been shot!
@@MachineGod69 If you are involved in an incident CCW Safe does not have a list of attorneys, they will patch you through to one of their attorneys so you can talk to someone right after the incident occurs to tell you what to say and not to say and you will have attorney client privilege. Once they know where you are at they will send out the critical response team and find the best self defense attorney in your local area and vet them for you.
J. R. I watched a video a few years back, maybe John @ Warrior Poet Society? and there was an attorney that was also a USCCA shooter, and he recommended the best in order companies. USCCA was 1st, CCWSAFE was 2.
As he went down a list of good & bad and I looked up USCCA's policy and I saw that if you take a plea deal, they'll recoup their expenses. CCWSAFE doesn't.
@@skipperclinton1087, that was a big reason why I chose CCW Safe! There were other reasons too. With USCCA, they have paid numerous firearms channels for their support thus why they get preferential treatment. But when you actually look at both companies there is no way I am convinced USCCA is better. At least not for me!
Thank you for putting together these valuable information and questions. I have USCCA and will now make a true comparison to see if I have all the right coverage and experienced lawyers and investigators to protect me and my family. Great video. Thank You
Great video and breakdown. I literally paused the video 90% of the way in and called USCCA to cancel my membership. I realized I was paying for material I never use (online videos, access to old magazines, etc) and policy that is probably not the best for me and my family.
I am signing up for CCWSafe right now and for $7 more compared to what I was paying USCCA, it will include my wife.
Thanks Mickey I was considering CCW Safe already and You nailed it down for me!
Thank you for your presentation, this is a very important subject for CC insurance members. As with any insurance or for that matter most services or products purchased it is always a good idea to determine what your actual need is and your projected costs, which allows you to make an informed decision.
Iam currently Insured by CCW safe so this was an awesome video to see thanks Mick love ya stay safe carry your weapon 🇺🇲
Well said - excellent work. I did my research extensively and chose CCW Safe. I view it as essential as choosing the proper equipment to carry.
I know this video is old but thank you for your help in this matter. I was looking at USSCA US LawShield or CCW Safe and I am going to go with CCW Safe. I was leaning towards them after reading through all of there coverages and this video helped make the decision easier.
I've been researching now for weeks. I too almost went with USCCA. That might be a great fit for some and I thought it was for me as well. I went to the BBB, read reviews and saw videos where other lawyers went thru the finer points in the contract. Made me get with the program on another level and realize, wow - NOT for me. I researched approx 5 other companies and this plan here seems to be the best coverage I could ask for within reason.
Good video - everything explained is everything on the website from top to bottom so I didn't really learn anything new, but the responses here as to who used USCCA, why some switched from that insurer or another was extremely helpful. I'll be going with them moving forward. The free coverage of the spouse at home part was also a big plus. So that helped sell me and prove that this could be beneficial should it be needed along with adding additional coverage for certain coverage.
Thanks everyone for the input and sharing the experiences you've had with other companies. USCCA keeps claiming right now that they removed my name, email and number off their list but they keep emailing me. That was a complaint on the BBB when I looked that up 😂. Even admitted it on the last email today and I asked, then why are having a discussion when you were asked not to contact me. Smh. CCW Safe has now got my attention and a I'll be a new client.
The recoupment policy is what really did it for me. I compared all of them before I got my ccw and its obvious which company I found first. Free range bag, multi tool, blah blah blah.. all the adds. All the sponsored personalities. Which is fine. But after looking into and comparing everyone the choice was pretty clear to me. Ccw safe is head and shoulders above the competition for me.
Just got my CCL and thank you mr trainer for this video 💪🏽
I was also with USCCA, and switched to CCW SAFE. Thanks for the informative video.
Great video I really needed it and it was really a great communication
I’m a Law of Self Defense Member as well and Andrew Branca highly recommends CCW Safe as well, but acknowledges it’s still a personal decision that you must be educated in and make sure it’s the best fit for you. I definitely agree that they are for me.
CCW safe here as well. Heard about them separately, not from you. Liked what I read and how they compared. Glad you and others feel the same way.
I just got CCW safe today. Somebody was following us home last night, I think I went into a parking lot by my home with security and he took off, maybe he was Doordash, not sure. That is why a carry and got CCW safe!
Thanks carry trainer team for the advice!
I have had USCCA for a long time, but added FLP because I think at this point, I consider USCCA as more of a training service and magazine subscription.
I see them as trying to be the “face” of gun rights since the NRA has so much hate from anti and pro gun people alike.
That's an expensive magazine subscription.
I've had texas law shield for several years. Switched to ccw safe a little over a month ago based off my research. Good to get validation from someone I can respect.
Great video, I am new CCW permit holder and have been researching ins companies. I keep coming back to CCW Safe.
You won't collect a dime from any of them, no matter what.
Great video. I was looking for a replacement for USCCA and I enjoyed how you explained CCW
I've been telling people for a long time that CCW SAFE is the best in the industry. Great video!
Do you need this kind of insurance if you just have gun at home for home protection?
@@MusicLuv80 if you need to shoot an intruder or burglar with it you will still go to court over it and need to pay a lot of money. It’s a small investment that will save you far more money if you ever need to discharge your firearm.
@@iZephiroth Wow, I guess it is just better to get the insurance. Thanks
I believe Attorney's on Retainer is MUCH better! Watch their videos and explanations. It is eye opening just how bad the other companies are. They read the fine print and that is what you need to do.
I just signed up with CCW SAFE, ultimate plan. I feel better knowing that they have my back with no limits
No, they don't. If you are charged with a crime, it is illegal for them to pay a defense lawyer.
If it is civil suits then you do better with liability coverage from any major national carrier.
Are they licensed to sell insurance in your state? Are they licensed at all?
If not, then you have no way to protest an unpaid claim but to write them an angry letter.
Take it to your regular insurance agent and have them explain why it is such trash.
I'm really glad you covered this. Also, I love gunfighter gun oil.
This is a pretty good rundown of why I went with CCW Safe instead of USCCA - I pay out the ass for it and their training and advice can be borderline fuddlore at times, but the policy itself is good. One thing to keep in mind is that CCW Safe does not cover any domestic incidents
Out the ass? It's quite affordable
Affordable depends on who's paying.
Whats "out the ass" for one person may only be just a "drop in the bucket for another.
Dont jump on the man for being honest.
CCW Safe is by far and away the BEST coverage available today, yesterday and probably tomorrow.Unlike some snake oil salesmen who thought branching out into this market could make them a fortune, CCW safe doesn’t need to raffle off new Harleys to entice you to sign up.
Yup no marketing gifts needed!
I presently have USCCA, and until about two months ago I was at the Elite (highest) level of membership for about $49.00 per month, I think. Then I found out that all three membership levels have the VERY SAME insurance coverage with the VERY SAME limits of coverage. So, I asked them what are the actual differences between the three individual levels. They explained that at the Elite level you get access to back issues of the magazine online? What? I'm paying extra for that? I don't even read the magazine. Usually toss it immediately upon receipt. They also said that with Elite you get to submit questions for the attorney online Q@A video. Don't need it. Answers I usually have, that same attorney answers them on UA-cam all the time. So ... I cut my membership down to the basic level for about $26.00. I had never gotten around to reading the contract, but for various reasons, being a reasonably intelligent person and seeing suspicious signals with their merchandise marketing bullshit and way too many GunTuber sponsorships, today I've decided to switch to CCW Safe.
Why is Right to Bear better?
I have right now USCCA
Thank you, Carry Trainer for the recommendation of CCW Safe. I had US Law Shield. But considering your advice and some other things I have been informed of, I have signed up with CCW SAFE! It really sounds like a good deal!
May God bless you😊🙏👍👍
And, in a little bit of irony, UA-cam ran ads for USCCA during this video.
This was a good presentation and summarizes why I have decided to go with CCW Safe.
Thanks for the discount code!! New annual member
Thank you for sharing about this specific topic good brother as do you always since you educate TF out of me just from paying attention to your videos! With that being said I just got home from a long day at work so I now have my normal “blue” CL can in hand and poof just like that I started to lmfao and said that somebody or some people put a lot of thought into that BRILLIANT SHIRT and that I must purchase a few of them to represent nevertheless support your brand ya deadly bastard👊😂🔵🍻🇺🇸
I hope you have an amazing remainder to your weekend brotha!
I just used the discount code and signed up. Thank you for the info
Thanks! I am looking into this and found this to be a good guide for my investigation...... My choice will likely be very different with this info!
I had USCCA for four years then switched to CCW Safe. Way better coverage and service.
I purchased CCW SAFE when I got my concealed weapon and firearm license last Feb 2022. I did lots of research and asked a lot of questions. Bottom line. I retired 2 years ago and saved my money for us to have a great life. God forbid I ever have to pull my weapon and defend myself, I want to know that I have a company be that will work to defend me and knowing that I have enough coverage for my defense and not have to be wiped out financially.in the process.
Great info
I have been a member for several years now and chose CCW Safe for their coverage and contract. Fortunately I have not needed the service but sleep well knowing I am covered in an emergency!
Glad I found this video. Been researching for awhile now. Once I read the little details, CCW was better. Cost slightly more but the cost is minuscule.
I compared them all as a veteran CCW Safe value and Price is Best for me....glad i am with them!!😊❤
Thank you for all the information
🙏. I have been with USCCA for 4 years & and truthfully, I am now confused about what to do, may I ask you which program do you have with CCW Safe please?
This is great info thanks for sharing.
Thanks for Sharing
2 important things. 1. You don't have to pay back the money if you lose your case with CCW safe. 2. The civil and criminal defense is unlimited.
I’m an attorney and this is a Great overview. I’m convinced and will be signing with them. Would be great if you added a tip or thanks option.
Retired LEO. Reviewed bunch of companies. Been with CCW Safe for about 5 years.
Were you aware that, if they aren't licensed to sell insurance in your state then you have no recourse for an unpaid claim except to send them an angry letter?
Did you take any of these policies to your homeowners insurance agent and ask them to compare coverages and costs against standard umbrella GL?
Try that. You can thank me later.
See my post at the top of the thread about primary versus excess insurance.
They won't pay anything until you have lost the case and all your other insurance has paid their max.
Could you speak on CCW and the the clause where they drop the suit if it’s family members friends or significant others that you have to self defend against?
They drop coverage if you are charged with a crime.
For civil coverage, regular homeowners insurance does a LOT better. Ask your agent.
If they deny a claim, and are not licensed to sell insurance in your state, your only recourse is to write an angry letter.
Thank you.
Great explanation.
It was great see you at the 22 Affiliate Summit.
Kind Regards
AFT
Thank you for this
The problem with all of the insurance plans is that they want all the details of the case and the lawyer has to communicate with them on all of it.
Doesn't seem that bad until you realize that all the communions between your lawyer and the insurance company is discoverable.
Which means you don't have attorney client privilege.
There is Attorneys on retainer who aren't insurance and is a law firm who deals directly with you. Costs about $35 a month.
Also ACLDN which also isn't an insurance company and just pays an attorney of your choosing, however I'm not sure how much info they demand from the lawyer.
The only issue I have with this, and it still could be better to have this insurance then not, is when ccwsafe says this:
"covered to the level of a $500K bond for all legal use of force responses to life-threatening attacks at their home, inside their vehicle, in any location where it is legal to carry in public, or on premises where possession of a firearm is not illegal (all legal weapons covered)". The "on premises where possession of a firearm is not illegal" is the part that concerns me.
Concerns me because where I live (Illinois - yeah I know), almost EVERYWHERE I go, I see those no guns allowed stickers, although we are allowed to carry in public with a CCW license. So most of the 'premises', at least what I have noticed would be indefensible because of the no guns sticker, idk. I probably just need to move, lol.
The signs in Illinois must have the state statute underneath the no firearm sign. If not then it’s strictly a warning from the business owner but you’re not violating any law if the incorrect sign is posted.
I just posted a similar question. In the communist state of California, the gov is declaring various vague rules regarding gun free zones, the rules also seem dynamic in nature as the changing environment ie the presence of a healthcare team like paramedics or a random clinic in a shopping plaza would render an area like the plaza parking lot gun free. It's just so arbitrary and ridiculous, which is no doubt by design. I'm ready to sign up but that same clause has me apprehensive. I know of no other "insurer" who explicitly states this would not disqualify the insuree from coverage
This may be true, but what other choice you got? Without the insurance you're still carrying and discharged illegally in according to the law
Just dropped uscca. Will be getting CCW Safe
I just left uscca, unfortunately they have a clause that if you are ACCUSED of.a crime, you are not covered. Well, most self-defense shootings are followed by MANY accusations in the legal world, so i wonder what scenario that works out like advertised. I think uscca will be forced to get serious, but i know they made that rule as a backdoor to breaking their fairly new company in court fees in "unwinnable" cases, but theyre becoming established now, so theyre going to need to step it up,, but im going ccw*safe. Im so glad you made this video, it made up my mind 💙
Oh.. ha dang , I didn't ask anything, just heard a lot of good..and called and signed up and paid...
Just found your channel. I haven't seen any tubers get into the details as you have! Thank You!
QUESTION: How would one go about finding an attorney. I'd like to have one or two stored in my phone.
Welcome aboard! I'd get CCWSAFE use this link ccwsafe.com/?ref=carrytrainer
Been a uscca member for 2 yrs.... I need to switch. More coverage for cheaper and I had no idea might have to pay them back if found guilty.... And in this type of climate anything is possible.
It is true. I was with USCCA for over 5 years. I canceled and switched to CCWSafe yesterday.
Talked me into it. I have had USCCA for almost 10 years. Thankfully, I have never needed their services but they have always been very courteous on the phone. I have never liked the idea of them trying to recoup the cost of my defense if I were to somehow lose a case but just hoped that if I needed them, it would be fairly clear cut self defense and not be an issue.
My question is: If you have 2 active insurances, can you use both of them at the same time? In there any clause that prohibit this practice? Two brains work better than one. I have US Texas Shield and CCW Safe.
Ask the companies directly
Great video but the coupon code does not work anymore. Do you have an updated code?
Great videos !!!
Very good info,got me thinking abt dropping USCCA....
Odds are more than 200 to 1 that you will never have a covered incident in your entire life.
If you did have one, you would discover the sad truth of what the policies really say.
CCW Safe offer an annual ultimate plan that covers you and your spouse with optimal coverage and no scary limits for roughly $519 per year which is less than $45 per month to have solid coverage and peace of mind for you and your spouse. That's pretty hard to beat in my opinion. The per Diem is lower than USCCA but literally everything else is a clear win for CCW Safe. Thanks for this video and for helping make a difficult decision easy.
After a series of watching trials with obscenely corrupt DAs and too often feckless defense attorneys, I can't depend on Texas' good laws and knowing what to do. Paired with a statistically improbable life of "intense" encounters I've gotten the crud scared out of me. I pulled the trigger, so to speak, on CCW Safe.
The odds of you having a covered event are less than once in every 200 lifetimes.
None of these things is worth the money. They are banned in some states because they are such a ripoff for the consumer.
I signed up last month based on several reviews and Andrew Branca's endorsement.
After watching your video I've been trying to sign up online since last Saturday. EVERY SINGLE TIME I get an error message that the registration is "timed out." It's super frustrating and I gave up.
Been with CCW safe for almost 3 years. Great legal service. By far the best one for me.
How do you know their service is great? Have to use it? If so, what was the outcome? BTW, I am a member of CCW Safe!
Would it make sense to have to insurance policies? CCW Safe would be my main choice but something I like about US LawShield is that they cover self defense be it with a firearm, knife, car, hand to hand...
So does CCWSafe and USCCA. US Lawshield does not cover nearly as much as either of these two. Do the research. No, 2 policies would never make sense.
Been with #CCWSafe from the begininng.
I first would like to thank CarryTrainer for making this video, because I am new to holding a CCW. To be brief I am a former Correctional Officer and despite going through a weeks worth of firearms training and etc they never really truly touched on big issues like carrying off duty as we are not Police Officers, because we fell under what I call an Umberella to conceal carry off duty, but never was informed about the big liabilities that could be faced.
I will say without a doubt in my mind that CCW Safe appears more designated to protecting your rights than all else and offers more for your protection. I will leave off with this, while in my academy the mock portion for going to Court sucked, because they attack you in every which way possible. There's tons of things do not matter despite if your honest, they attack your character, social media, if you put any added decals on your firearm, they will make you look like the problem, the culprit, the one who wanted to go out like a vigilante.
The big thing you need to know is that this entire line of insurance is banned in some states because it is so close to outright fraud.
Odds are more than 200 to 1 that you will never have a covered incident in your entire life.
If you did have one, you would discover the sad truth about what the policies really say.
I can't find any evidence that any of them have ever paid a claim.
USLaw&Shield for the win 🏆
Hi there. I’m looking to sign up but for some reason the code you mentioned isn’t working
I went with CCW Safe Defender Plan. They charge 19$/ month. Hope its worth it if I ever need it.
I spent a few months going line by line with different companies with regards to their policies and concluded CCW Sage is the right choice. A few of them are scary!!
The "Carry Trainer" discount code does not work when I applied it at checkout.
For the win. CCWSafe
Code didnt work, but still signed up. Gracias
9:25 "Throwing your cousin a bone" My Cousin Vinny comes to mind LMAO 🤣
Im currently a USCCA Gold member for $29/month and have been for years. Looking at CCW Safe. Question. All criminal and civil defense cost are covered. What is the civil liability add on for and additional $20/month? I'm looking and reading... just confusing myself.
I have not been able to find any evidence that any of these companies has ever paid a claim. If you look closely at the USCCA videos you will see that they never actually say they ever paid for anything.
Odds are more than 200 to 1 that you will never have a covered event in your entire life.
If you did have a covered event, you would discover the sad truth about the policies say. The first thing USCCA will tell you is that they don't even have to show up because of the Primary Insurance clause. They are a lawyer's lesson in how to not pay anything.
USCCA must collect half a billion per year or more. Any legitimate company that collected that much in premiums would be paying out at least $350 million per year in claims for bail and lawyers in self-defense cases. Look at the news. That isn't even possible.
These policies are banned in some states because they are so close to outright fraud.
wow. i was just about to join until i read some of the restrictions on the website. i''m a diabetic and take medications. my wife has a compressed disc in her neck and sciatic nerve damage in her legs where she takes pain meds. this statement on restrictions is a deal breaker. 'Use of force while under the influence of judgment-altering substances (e.g., alcohol, controlled substances, or *prescribed medication*, etc.) there's always something. P.S. we are both permitted. thanks anyway.
None of them have ever paid any claims. This whole line of insurance is banned in some states because it is so close to outright fraud.
201civil court cases as paralegal. 12ccw permits 12 states (&septic tank WashingtonDC). 6th year with them. 1 shoot, hand cuffs off in 2 hours with them talking to District Attorney on phone. Even the cops wanted to know who's my Attorney!
I just canceled my USCCA membership and now have US Law Shield. It’s looking like I’ll be canceling that one too.
Just came across your video… well done, and definitely agree, I think CCWSafe is the best out there, it’s what I have. I will say though, the one thing I disagree with is the analysis on the recoupment clause. I think it’s an even bigger thing than you make it out to be - having that clause in there could affect your legal strategy. I’ve worked in the legal field (as a non-attorney, but still being intimately involved with case evaluation and strategy sessions) for years. If you are *found* guilty, that clause is meaningless unless you are already privately wealthy. They just aren’t going to be able to recover from someone spending their life in prison, and I doubt they can go after your family - at best maybe large joint assets, but they know bankruptcy is a thing that will screw up recoverability (and recoverability is one of the big things lawyers look at before even trying to go after something). Where this screws you is plea deals. Yes, I want to say that I wouldn’t take a plea deal, but if the reality is you are facing life in prison and you get a really good deal, you and your lawyer may decide that’s in your best interest to accept. No matter which company you go with, you always have the choice to take the deal or not, but with recoupment clauses in that contract, that guilty plea means that clause comes into play. Now you aren’t facing life in prison and you are recoverable against since they can garnish wages and you spend the rest of your life with garnished wages instead. Now, not necessarily the same with a no-contest plea, but that may not always be available.
I will also point out while on the topic of recoverability, having this type of insurance with civil liability coverage may increase the likelihood of getting a civil lawsuit. One of the recoverability aspects is how much insurance someone has, so by having this type of insurance, you make yourself more recoverable. Not saying it’s a reason not to have it (I still pay extra for it personally), just pointing it out.
*please note I am not an attorney and nothing said here should be taken as legal advice, simply my personal opinion as someone who works in and around the court system and sees how some of these cases play out.
Thanks for this review. Just tried to use your code and the site says that it isn't a valid code. Do you have a current discount code?
Save your money, whatever your choice is. I have never been able to find any evidence that any of these companies have ever paid any claims. If you know the odds and how to read an insurance policy, you know that it is unlikely they ever will. You are sending your money to the wind, no matter which one you choose.
Ccw safe would be my next choice after ACLDN.
Based on EXTENSIVE research, I found CCW Safe to be the best option for me over USCCA and FLP.
The odds say that you will have a covered incident under any of them less than once every 15,000 years. If you do, then you will discover things like the Primary Insurance clause.
Bottom line - you will never collect a dime from any of them. You will never know anyone who does.
@@cliffordschaffer5289 Interesting feedback. Thank you for sharing.
@@a.r.r.5626 The reason these policies are banned in some states is because they are such terrible deals for the consumer. Consumer fraud laws.
@@cliffordschaffer5289 Interesting feedback. Thank you for sharing.
How it is legal for states, like WASHINGTON ST. (Home), to ban self-defense insurance? Shouldn’t everyone be able to acquire the best representation for themselves as their resources permit, and if someone foresees that representation as possibly being needed, shouldn’t they be allowed to carry such a policy? I don’t understand….
Just because a UA-cam gun channel endorses a concealed weapon insurance or legal protection doesn’t mean it has everything you need in legal protection. Do your homework! With that said I got the CCW SAFE Ultimate plan.
One thing to look at when considering an organization to cover your legal expenses is whether the coverage is through an insurance company or a prepaid legal services plan. The main difference is that an insurance company is forbidden by law to cover illegal acts, which means that an insurance company is required by law (probably laws written by insurance company lawyers) to try to recoup its expenses from you if you are found guilty either after a trial or a plea agreement and the insurance company will not pay your legal expenses for an appeal. CCW Safe is a prepaid legal expenses organization, which is why they do'n't, and by contract can't, recoup their expenses if you are found guilty and pay your legal expenses for an appeal. I am not endorsing CCW Safe in particular; you do your own shopping. Another one to look at it U.S. Law Shield. By the way, the major player that offers its coverage of legal expenses through an insurance company that the Carry Trainer would not name is USCCA, the United States Concealed Carry Association.
Any thoughts on Self Defense Fund?
I've been a member for 4 years.
NJ has been making it impossible to get any sort of fire arms coverage. Do these guys cover NJ residents?
No unfortunately. NJ and WA do not allow this type of service.
@@GB-hj3xp I don't understand how a state can ban insurance of any kind. I live in the soviet union of American states.
My ccl is arriving soon I'm contemplating on what insurance to get & is it 100% necessary?
Agreed. In my personal opinion USCCA & CCW Safe are two of the best. Do your research and make an informed decision.
USCCA has a recoupment clause and self defense after a shooting could cost $300K-$500K easily. CCWSafe does not. They will cover you even if found guilty. They offer up to 40 sessions of professional counseling at up to $150 each. They also have red flag coverage. Look at each closely and compare.
The coupon code doesn’t work anymore btw.
Good stuff, tried using your coupon code but doesn't seem to work.
Save your money. None of them will ever pay a claim.
Sending this to friends :)
I'm going to sign up for CCW Safe, but I'm still keeping Texas Law Shield. I get a discount on gun transfers at my LGS with my Texas Law Shield membership.
It is illegal to offer insurance for criminal defense. If anyone offers that, they are lying.
If they are not licensed to sell insurance in your state then your only recourse for an unpaid claim is to write them an angry letter.
Ask your homeowners or renters agent to compare these policies with umbrella GL from a reputable company licensed in your state.
See my post at the top of the thread about their primary insurance clauses.
Bottom line, very unlikely you will ever get anything from them. Very. Unlikely.
Question, some states ie CA are creating gun free zones that are both vague and appear virtually impossible to avoid. I see CCW safe seems clear in not covering during these violations. God forbid one defends himself while in a purportedly gun free zone not knowing it and now he has no coverage. Are you aware of any "insurer" who would not revoke coverage in this circumstance? Great vid btw, subscribed
This is a valid concern in CA. I hope you get a response.
I’m in California and you got me wondering now.
Assume one has several out-of-state CCW permits, but not an in-state permit because impossible to obtain
in California "may issue" area. One is attacked in a public area by a firearm/knife armed perp. Will CCWSafe cover the armed victim who does not have an in-state permit in CA? Same question with respect to one of the "no firearms allowed" areas?
Short answer: I can't find any evidence that any of them have ever paid for anything of the sort, no matter what the circumstances.
According to the money they collect, they should be paying out several hundreds of millions of dollars every year for bail and lawyers for self-defense cases. Read the news. That isn't even possible.
They are banned in some states because it is so close to outright consumer fraud.