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Thread: Opinion on Concealed Carry insurance such as USCCA

  1. #11
    If you have homeowners insurance, you might talk to the provider and see if an umbrella policy will cover expenses. They are unlikely to provide any other assistance like some of the gun owners specialist "carriers" claim to provide.

    I had a conversation with USAA, and they verified that a lawful incident would be covered. That jives with what their policy says. And it is relatively quite inexpensive.

    I expect "lawful" could get get to be an issue if you are ultimately determined to be guilty of an offense. I trust USAA to be decent. Possibly an incorrect position; but I have not experienced nor heard of poor treatment of members. If you are eligible for USAA and use a different insurance company; you need training.

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  3. #12
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    Quote Originally Posted by pilot25 View Post
    I have been researching this type of "insurance" for sometime and cannot for the life of me find who the underwriters of the insurance policies are. That immediately gives me pause about who these companies really are and what their capitalization is if they don't have underwriters.
    Then you haven't dome much "research". From USCCA | FAQs:

    Will I have my own individual insurance policy?

    No, Self-Defense SHIELD is not an individually underwritten insurance policy. The USCCA, Inc. Self-Defense SHIELD is an insurance-backed, criminal and civil liability benefit. The USCCA, Inc. owns the insurance policy and the Silver, Gold, and Platinum members are the beneficiary of this insurance policy. (Please see the Self-Defense SHIELD diagram for the the specific criminal and civil liability limits.)
    Also read Armed Citizens and the Law | Self-Defense Insurance.

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    Quote Originally Posted by alternety View Post
    If you have homeowners insurance, you might talk to the provider and see if an umbrella policy will cover expenses. They are unlikely to provide any other assistance like some of the gun owners specialist "carriers" claim to provide.

    I had a conversation with USAA, and they verified that a lawful incident would be covered. That jives with what their policy says. And it is relatively quite inexpensive.

    I expect "lawful" could get get to be an issue if you are ultimately determined to be guilty of an offense. I trust USAA to be decent. Possibly an incorrect position; but I have not experienced nor heard of poor treatment of members. If you are eligible for USAA and use a different insurance company; you need training.
    From USCCA | FAQs:

    Do Homeowner’s Insurance or Umbrella Policies cover this sort of thing?

    Homeowner’s and umbrella policies RARELY specify the coverage of self-defense acts with a firearm. For many policyholders, the answer is "no." Most standard home and auto policies contain a liability clause that specifically excludes coverage for injuries or damage caused by an intentional act such as firing a gun, even in self-defense. Even if the law recognizes your right to defend yourself, insurance companies see it differently, according to the International Risk Management Institute (IRMI). Policies often contain an intentional injury exclusion, which defines self-defense as an intentional act and therefore excluded from compensation.

    If someone is accidentally injured on your property, your home insurance liability coverage will cover medical bills and the resulting legal fees. But if you fire a gun at an intruder and you end up in court, the deliberateness of the act (even if it was in self-defense) means that your home insurance policy may not cover the resulting costs.
    Also, no insurance covers criminal acts.

  5. I'm guessing that MOST of the people that pay for the insurance are also very careful CCW permit holders. Would only use their weapon as a last choice. In other words very responsible. Thus I'm guessing their are very few cases at all.

  6. Quote Originally Posted by bofh View Post
    Then you haven't dome much "research". From USCCA | FAQs:



    Also read Armed Citizens and the Law | Self-Defense Insurance.
    Insurance backed by whom? USCCA? That isn't insurance and if it is then they have to disclose their capitalization? Which they don't.

    If you knew anything about insurance you wouldn't be so flippant with your comments.

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    Opinion on Concealed Carry insurance such as USCCA

    Quote Originally Posted by pilot25 View Post
    Insurance backed by whom? USCCA? That isn't insurance and if it is then they have to disclose their capitalization? Which they don't.

    If you knew anything about insurance you wouldn't be so flippant with your comments.
    It is an insurance backed by its members. They don't disclose their capitalization, because they don't have to. If you knew anything about such self defense insurances, you would know that any underwriters would be able to set insurance conditions, including who gets covered for what. If you are a high profile case (e.g., Zimmerman), then the fine print in the insurance contract would allow the insurer to back out during your trial.

    This insurance backed by its members is capped in terms of individual benefits and insures against legal costs in lawful self defense cases. The risk of such insurance to go under is rather extremely low, as it does not deal with single events that incur large costs for the insurer.

    Unless you want to sign with an insurance company that has an underwriter that may force your insurance to back out of your coverage, may be you should inform yourself a little bit more about this topic.

  8. Quote Originally Posted by pilot25 View Post
    I have been researching this type of "insurance" for sometime and cannot for the life of me find who the underwriters of the insurance policies are. That immediately gives me pause about who these companies really are and what their capitalization is if they don't have underwriters.

    Armed Citizens and the Law website has some information.

    For instance, here's the link to their info for the USCCA Shield policy: Armed Citizens and the Law Blog Archive Self-Defense Insurance
    * USCCA Policies are administered by Delta Defense LLC (Delta Defense, LLC | The ultimate resource for Safety, Security and Self-Defense Information)
    * USCCA Policies are underwritten by Savers Property and Casualty Insurance Company (Page Not Found - Meadowbrook Insurance Group)

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