USCCA.....is it worth it?

[Hokkmike]

Watching gun reviews and etc., I keep seeing ads for the USCCA. But at $29.00 a month I am balking.

I don't know the group so I will not disparage it but in the age of every OTHER insurance and/or care-service ripoff I am skeptical.

To me, it is expensive....

Anybody have knowledge or opinions here???

Thanks.

 

[Bill Raby]

Shoot a bad guy and see how much a lawyer charges.

 

[Barry the Bear]

They're a reputable company that has helped many, I dont know their specifics but they are helpers to the 2A society. I am a member of TX Law Shield (extension of US Law Shield) I pay about 27 a month for me and the Mrs. Bear, as for the need for it, I'd rather have this than get into a situation and have to work with a public defender since I'm not rich enough to afford a good private lawyer

 

[giggitygiggity]

While the insurance is useful should you be involved in a shooting, the chance of you being involved in a shooting is less likely than your car getting damaged, your house getting damaged, you accidentally running your car into someone, etc. My point is that if you have $30 to spend on insurance, you’re probably better off putting it towards your car/home as it is far more likely to be used.

 

[jar]

Hopefully such insurance will be money well wasted!

 

[Blue Jays]

My sense is if one resides in middle of a 1000-acre preserve in northern Alaska...the need is less pressing.
If one is a gunowner residing in a more modest home in continguous U.S....there is greater likelihood of need.
Only we can accurately assess our own levels of risk, anticipated exposure to criminality, and desire to invest.

 

[cdahl383]

I signed up after taking my cpl course. Seemed worth it to me given the risks of civil suits even if you are within your rights to defend yourself and your family. All insurance is a gamble. I’ve never made a homeowners claim but I’ve been paying for 15+ years, etc.

 

[Sovblocgunfan]

Like another poster above, I give Texas Law Shield my money. Certainly not a “requirement” but the alternative is not something I want to consider—the outlay is reasonable to me, and I hopefully won’t ever use it.

 

[giggitygiggity]

Just to clarify my above comments, I am not trying to discourage anyone from getting carry insurance. Instead, I’m trying to put it in perspective. Like others have suggested, it’s an individual choice. Someone living in the middle of Chicago May have a greater chance of using a firearm in self defense as compared to someone living in a quiet Midwest town.

I think Clint Smith of Thunder Ranch fame put it best when he said that we are far more likely encountering a fire in our homes than an intruder, yet you’ll find guns next to the beds of his clients rather than fire extinguishers. We often tailor our actions towards the scariest threat rather than towards the more probable threats.

 

[wiscoaster]

.... We often tailor our actions towards the scariest threat rather than towards the more probable threats.

Nicely put. Humans are emotion-driven creatures, not data-driven.

 

[somethingbenign]

I use US law shield personally. I have used their legal counsel a few times when going out of state and wanting to double check my understanding of that states gun laws with someone trained in understanding gun laws. I am unaware of if USCCA has lawyers on hand to answer questions but I would make that a priority for any firearm insurance I am signing up for.

 

[WheelGunMan]

Watching gun reviews and etc., I keep seeing ads for the USCCA. But at $29.00 a month I am balking.

I don't know the group so I will not disparage it but in the age of every OTHER insurance and/or care-service ripoff I am skeptical.

To me, it is expensive....

Anybody have knowledge or opinions here???

Thanks.

I feel the same way... I'm interested but ..??? Seems pricey.

 

[cdahl383]

For what it’s worth, I just paid for a year up front, annual fee, and it was around $260 or so. Saves you about $80-90 for the year.

Our auto insurance is the same way, big savings if you pay up front. Not all companies offer that, but if they do, it’s worth it.

 

[DoubleMag]

''...said that we are far more likely encountering a fire in our homes than an intruder, yet you’ll find guns next to the beds of his clients rather than fire extinguishers. We often...''

Well, obviously I M not his client 'cause yes I do have a fire ext by the bed.
Although this is VERY common to not have I guess. As is the fact that there is a high chance during a house fire it's an extension cord / heater, and, the occupant doesn't have insurance. Found out from a very close friend who was the responder for R Cross, initiated the 1st contacts and gave the victims the pre-set immediate $ assistance.

Also I am one of the few I guess, who has an annual meeting with the insurance agent car/house/life, review policies etc.

So, my suggest, don't get TUNNEL VISION on a bang no-bang policy, and let the bigger picture of overall coverage go unattended

 

[Timeless]

I often wonder if a good lawyer could use the fact you purchased this type of insurance against you.

Sort of like "Defendant obviously expected/hoped to shoot his weapon against another human which is why he/she bought this insurance". Kind of like the lawyers that use the angle of people changing their stock gun parts to be easier to shoot/take less effort. I often see aftermarket parts with quotes that sound funny/cool but could be used against you in a court of law.

 

[Sovblocgunfan]

Maybe, but i doubt it’s a very common angle, in case of SD shootings.

I dont think there are very many people going out and causing car crashes on purpose simply because they bought car insurance.

Maybe in the past for insurance fraud, but that’s a bit harder to do these days.

 

[gunlaw]

I often wonder if a good lawyer could use the fact you purchased this type of insurance against you.

Sort of like "Defendant obviously expected/hoped to shoot his weapon against another human which is why he/she bought this insurance". Kind of like the lawyers that use the angle of people changing their stock gun parts to be easier to shoot/take less effort. I often see aftermarket parts with quotes that sound funny/cool but could be used against you in a court of law.

Generally no. In Missouri the mention of insurance in a civil suit will result in a mistrial. Many other states follow this rule.

 

[AirForceShooter]

Keep one thing in mind.
If you are found guilty the insurance will NOT pay out.

AFS