How useful are "self defense insurance" groups really? My CCW course had a rep from the USCCA, but I've never heard of a member or anyone who even knew of such groups' existence. I would imagine they would be helpful, but I can't really justify the price with the odds.

>>63982032 (OP)
USCCA is a scam, iirc they drop you if you face charges

>>63982043
WRONG

I've carried for 10 years thinking it was completely unnecessary but the last few years it has started to linger in the back of my head if I might actually need it. Even in the reddest of states the major cities are usually run by democrats and all it takes is a leftist DA to charge you and ruin your life. Lazy policing where the cops don't bother to gather any witness information or social media puts pressure on the state to charge you because it turns into a race issue. Then there's the civil litigation from the family that comes after. I'm still not sold on it because it seems like most clean self defense shootings don't result in any charges. I would like to see more statistics on this.

Just don't go with USCCA from what I hear. Seems better to go with something like AOR or US Law Shield where it seems like it's less insurance and more like having a lawyer ready to take your side as long as you weren't committing a crime.

>>63982055
They really pushed the civil litigation hard when they presented it, which made sense in the more extreme cases they presented within my state (shooting a stranger to defend a stranger). A decent amount to cover you so you wouldn't get fucked by ambulance chaser lawyers, but that going to a real attorney seems like a better deal.

>>63982032 (OP)

There's a ton of solutions out there, find one that works best for your needs.

USCCA has been around the longest, their membership is expensive as fuck because you get a ton of bloatware like their magazine and online training. The latter is crucial because if you ever needed to ventilate someone your attorney can claim you were responsibly trained and not some trigger happy schizo.

I would strongly recommend looking into any company's incidental coverages for things like replacing your firearm if it's confiscated by the police or paying a company to clean up your apartment after you magdump into a home intruder.

Also INB4 retards who've been conned into thinking all you need is an attorney on retainer. You're basically paying for someone to """promise""" to go to court for you with no actual obligation to win, and you're still left holding the bag whether they succeed or not.

Pic related, do not give these people your money.

>>63982083

One other thing; if an attorney is promising to be on standby for you 24/7, it's because they're not out in the world doing their actual fucking job.

Do your research.

bumping for interest, anyone here have first hand experience?

>>63982043
this. iirc it's written into their paperwork that if you committed a crime, they don't have to represent you.
funny how that works. But who's going to sue them? Their country-rube customer base? Some guy actively facing charges for murder?

>>63982032 (OP)
Not at all. It's a scam, which is why they shill at these courses instead of running a normal business.

>>63984030
When i took my ccw class it was 99 percent uscca shilling and 10 percent how to hold a handgun. It was pretty bad. That alone was telling that they are scummy let alone that they basically try to scare you into gettin it

>>63984107
90 not 99 *

>>63983990

Pretty sure it's illegal to insure a criminal act in the United States. Any entity or law firm saying they'd go to bat for you if you held up a bank and claimed self defense is just salivating at the thought of their payout when you lose in court.

>>63984199
how does that play out in situations where the criminality of an act hasn't been assessed in court? does USCCA get to do their own internal review to determine if their customer committed a crime or not before the trial even happens?

>>63984251
That's kind of a credibility gap that exists. USCCA can effectively decide that you intentionally committed a criminal act, throw you to the sharks and unless you can somehow prove your innocence without the legal representation that you paid for AND have enough time/money/fucks to give afterwards to sue them for dropping you there's no way to hold them to task.

I had to sit through one of their classes and it feels a lot like an MLM scheme. Stay away.

>>63984251

Then the insurance company enters into a contractual agreement with an attorney and uses their backing to pursue the case. Keep in mind, for many of these companies with insurance policies (they are not insurance companies themselves, they've only purchased an insurance plan and add their members to it) they expressly mention that being charged with a crime isn't an exclusion, rather the insurance stops when there's a non-appealable criminal conviction. Again, because it's illegal to insure crime in the United States. The only real edge the USCCA has is that they have the highest limits of coverage of any competitor, otherwise they're all the same.

>>63982122
They promise funds to hire an attorney on retainer, USCCA can't hire attorneys in 50 states to work for them, that would be cost prohibitive. What they can do is front the 50/100k it takes to get an attorney on retainer to represent you. They can offer to cover the 1 million in ghetto lottery, has this ever happened? I don't know. I dropped them in 2014 because it looked, walked, talked, and felt like a massive scam.

>>63984353

Btw AOR isn't even licensed to practice outside of Arizona lmao. Imagine sitting in jail with your thumb up your ass while they scramble to set up something pro hac vice. It's literally on their FAQ page.

>>63982032 (OP)
Set aside like 2 grand and put a lawyer on retainer. It's a much better use of your money and a lawyer can't just "drop" you if they decide you're bad PR

>>63982046
Nah it's against the law to offer insurance for criminal acts.

>>63984486

What about funds for posting bail? For hiring expert witnesses? Private investigations? Loss of income due to attending court? Replacing your gun? Expunging and sealing your records so that you can even own guns again?

Genuinely curious here.

I recall an incident a couple years ago where a man was attacked "as a prank" and shot the attacker in self defense and uscca completely dropped him and abandoned him.

>>63984555
Pretty sure that guy was found not guilty too

Alan Colie publicly stated that he's still with USCCA as of 2024, two seconds of searching will turn up half a dozen videos on the topic.

Any assertion to the contrary is actual mental illness.

>>63982032 (OP)
All insurance companies do the same thing :
1) Create fear of THING
2) Promise to protect you from THING for monthly fee
3) Profit by doing their best to never pay out or spend capital on THING they promised to protect you from

ALL insurance is a goddamn scam, ALL insurance will do their best job to screw you and maximize profit. The only thing insurance companies care about is making money; all other considerations are secondary to that. You mean nothing to them, only your money matters and as soon as you may cost them more money than you're worth they will throw you overboard and not look back.

>>63982032 (OP)
you're better off finding a decent lawyer and putting him on retainer

>>63984486
CCA Safe is the best of the worst.
USCCA is the absolute worst, it's a scam of a company and I wouldn't give them a wooden nickel. US Law Shield is almost as bad.

If you are convicted, or if you accept a plea deal that isn't 100% acquittal, they will come after you for every cent they had to spend on your defense.

>>63985398
CCW Safe*

>>63982043
>iirc they drop you if you face charges
but I thought it was innocent until proven guilty