USCCA ... Is It Really Worth It?
HTML-код
- Опубликовано: 15 июл 2022
- LEARN MORE ABOUT USCCA: tracking.deltadefense.com/SH35E
USCCA...Is it worth it? #USCCA #ConcealedCarry #selfdefense @USCCAOfficial
Self Defense Insurance Companies Compared: www.concealedcarry.com/self-d...
SHOP HERE:
Amazon: amzn.to/3LlWSJn
My Patriot Supply: www.prepwithpilotpatriot.com
Patriotic & 2nd Amendment T-Shirts: www.PilotPatriotApparel.com
PilotPatriot Amazon Store: www.amazon.com/shop/pilotpatriot
Optics Planet: shrsl.com/3diht
Get Legal Protection From USCCA: bit.ly/3DL78aH
For Exclusive content Join Us On
Patreon: / pilotpatriot
Facebook: / pilotpatriot
Instagram: @thepilotpatriot
Rumble: www.rumble.com/pilotpatriot
www.PilotPatriot.com
Thanks for watching, Please Like, Share, and Subscribe! 
Развлечения
![Eminem - The Death of Slim Shady [Album Trailer]](http://i.ytimg.com/vi/X0HIrS6kUYI/mqdefault.jpg)
Just remember this golden rule. Insurance company is in the business of taking your money and try their best not giving it back to you. If they appoint a lawyer they will work against you and make sure you loose, then you have to pay back all the claims.
Exactly! Insurance adjusters make the decisions at uscca THATS SCARY AF!
If you are going to carry a Weapon you had better have someone in your corner otherwise leave your weapon at home
@@jimsmith5332 I'll go ahead and rely on the constitution.
You do not want "insurance". You want legal defense.
with their membership you have access to defense attorneys. i would assume their liability insurance also pays for the attorney fees as long as they are within their network.
It is for legal defense.its like car insurance if u don’t have it ur fucked. I have the a lawyer they assigned to me he is a total bad ass. Also if u have questions call them. If u are trained then u know the law that goes along way in court rather u like it or not they ARE all the same.
Agree. They are an insurance company. Is a case complicated and expensive? How can we avoid covering this accused….. oh look, he drank beer before she shot the serial rapist!!! We can’t cover her, she consumed alcohol before the use of force. Sorry lady, you are on your own. Glad you weren’t raped.
It is called legal defense insurance. That means you have a legal representative to help you navigate through a self-defense shooting. Obviously you'd better go back and listen to this video 3 or 4 more times so that you get what you're talking about.
@@jimsmith5332 will they cover you if your magazine is “high capacity” in a blue state? In New York, the public park is a “prohibited” location, will they cover me if I use my gun in the park? They clearly say you are covered if you can legally possess and or carry in a legally allowed location.
As I indicated in a previous reply: On the USCCA's current website they DON'T provide coverage in several states. Very important information that should be provided by anyone selling this insurance.
I think you misunderstand, residents of some commie states can't get USCCA because of rules within thier state....BUT if you are a resident of a state that allows you to have uscca and you are traveling, you are covered in all 50 states and US territories.
Here is a section from the USCCA policy that illustrates a problem.
1. Primary Insurance
This insurance is primary except when paragraph 2. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in paragraph 2.c.
below.
2. Excess Insurance
a. This insurance is excess over any other valid and collectible insurance purchased by the “insured”, whether primary, excess, contingent or on any other basis, that applies to an “occurrence” or “covered legal liability” to which this insurance also applies;
b. When this insurance is excess, we will have no duty under this Coverage to defend the “insured” against any "claim" or suit if any other insurer has a duty to defend the “insured” against that "claim" or suit. If no other insurer defends, we will undertake to do so, but we will be entitled to the “insured's” rights against all those other insurers.
WHAT DOES THIS MEAN?
"Primary insurance" defines which company pays first, and has the duty to defend, if something happens.
"Excess insurance" only pays when the primary insurance pays out their entire policy limits.
That is, if you have a homeowners policy with 100,000 dollar limits, that will usually be "primary." If you have any other insurance, that insurance won't pay anything until your homeowners company has paid 100 grand.
In Paragraph 1, they say that they are the primary insurance, except as stated in Paragraph 2. That is, they promise to pay first. EXCEPT AS STATED IN PARAGRAPH 2.
Paragraph 2a says that they are "excess" if you have any of the other common insurance coverages, at all. It specifically states that they are last in line behind every other coverage that might be applied.
Paragraph 2b says they have no duty to do anything until your homeowners insurance has already exhausted all of their coverage.
That is, if they are ever called to pay anything, they will be last in line. They have no duty to do ANYTHING until every insurance before them is exhausted.
All you are really paying for is an increase in policy limits on your current homeowners, renters, or car insurance coverage - with more exclusions and limitations.
All such policies will probably have very similar wording. Don't believe me. Take the policy and look for "Primary Insurance". It will be in every policy. The paragraphs may even be the same exact wording.
And then, you would go into the other issues and exclusions.
See the video by Marc Victor. His comments would apply to most, if not all, such policies with different wording. He doesn't even get into the stuff about who is actually going to pay.
Don't believe me. Please. Go ask your own agent to review this coverage and tell you who would pay what if something bad happened.
Thanks
very helpful!
I looked over the cost vs. expected value of the benefit, and it's just not worth it for me.
The odds of being involved in a shooting are just so exceedingly low and USCCA is NOT cheap. It costs nearly half as much as my car insurance - and in my car, I face high danger and high liability every day.
I have known several law enforcement officers. They go into danger every single day and face situations where shootings are the most likely to happen - and most of them are involved in one or less shootings over their entire career. And that's when a person intentionally puts themselves in harm's way every single day as their job. What about your average, every-day person?
If you took the USCCA fee of $20 per month and invested it over a 30-year career in an index fund, at a 10% interest rate, you would have ~$30,000 in that same time - which is probably enough money to cover you if something were to happen - and you get to keep the money if something doesn't.
When you go to cancel, USCCA forces you to call them and hear a sales pitch before you can cancel. This is not something that legitimate insurance companies do. It's something sales organizations do.
I'm not saying their product doesn't have SOME value. I think the biggest benefit is peace of mind. Like all insurance companies, they make their sales by appealing to fear. And yes, if something happened, it would be great to have the coverage. But you have to carefully think through the actual odds of that and whether the cost is really worth it.
When people sell insurance, they always frame your thinking around the worst case scenario. But the worst case scenario rarely, if ever happens. And when it does, the insurance company fights to pay as little as they can anyways - and you are often still left holding a lot of the bag.
Lol
Do they do a 100% refund?
The odds you will ever need your weapon for self defense are exceedingly low, so why carry it?
Because there is a small chance you might need it, and it would suck not to have it... both the gun and the insurance, or whatever you have.
They didn’t make me listen to a script. But I told them up front that I finally read the fine print, and that their policy was unacceptable. He just said he understood my points of contention and canceled my subscription.
@@tinicoleofficial I didn’t get a full refund. Which I felt was a little dishonest too. Not sure what happened to the 1 year, bullet proof guarantee. I was just refunded for the remaining months of my subscription.
The only time you give an answer to a peace officer is when necessary and the only time you forget about danger is when you're asleep, even when having fun always pretend danger is a friend who hasn't arrived yet
If they want to know if I can tell them where exactly on my way to where they have stopped me did I see a red truck maybe if I saw it I would tell them but if he asks me if I am driving home or still going somewhere else I wouldn't answer that, what when they have turned rouge and want to frame me on something
Under Section I - Coverage A - Claim Expenses and Damages
Item #2 Subsection B - Exclusions - Criminal Acts:
This policy does not apply to and provides no insurance for: “Any criminal act by any “insured”, including any injury or damage caused by or during any criminal act of any “insured.”
What this means is, if the shooting is not found to be a self-defense shooting, you are most likely going to be charged with a crime. If that happens, USCCA is not required to cover you. Most people think they are purchasing coverage from USCCA in the event they must use their firearm, but there is no coverage if you are found not to be acting in self-defense. So, if you think that you are purchasing the USCCA Plan because you want coverage if you are charged with a crime, they’re specifically telling you right in their contract, there is no coverage for a criminal act
Here is a review by a lawyer ruclips.net/video/gbEbOJMdK30/видео.html
The policy is a lawyer's lesson in how not to pay.
Even if they did pay anything, they would be last in line after you have exhausted your policy limits on any other liability insurance you may have, such as your homeowners.
Those critiques would be standard over pretty much any policy of this type.
Everyone would be better off to just ask their homeowners, renters, or auto insurance agent for an umbrella GL policy. Same price, far more coverage.
Just to be clear, all coverage would stop on any of these policies if there is any crime charged against any member of your family.
For example: Your kid deliberately breaks the neighbor's window. The neighbor comes at you with an axe and you shoot him in legitimate self-defense. You are not charged.
No coverage because your kid is charged with vandalism.
Suppose it is discovered that your kid did it by accident and vandalism charges are dropped.
Coverage is not reinstated.
You will be charged by the police no matter what. So uscca won't cover. You could be seeing an active shooter dispatching victims on a parking lot, you engage to protect innocent children from the active shooter, the police will still charge you, and the uscca's paragraph will drop your coverage faster than the speed of light.
@@WoodsDog You are allowed to protect 3rd parties... They will cover you if you are found innocent. They will drop you if you take a plea or convicted of any part of the shooting. You also will be dropped from any civil help and you will be required to pay bond back and all fees they paid towards lawyers, witnesses ect.....
Negative you have to be convicted of a crime so found guilty in order for your coverage to be stopped not charged with a crime I got this information directly from uscca I called them and asked them this exact question and they told me that you have to be convicted of a crime so either there lying or someone's not intruperpting the policy correctly.
Thank you so much for this video I am getting ready to go get my cwp and I was on the Fence about getting it and you uscca and you cleaned up a lot of my questions i had
Save your money. The odds are about 1,000 to 1 that you would never have a covered event in your entire life. The average person will pay for about 75,000 years before they make a claim.
Then, if you did have a claim you would find out that the policy is a lawyer's lesson in how to not pay anything.
I can't find any evidence that any of them have ever paid any claim. You will never collect a dime, no matter what.
@@cliffordschaffer5289 I quit after 11 1/2 months and they told me there was no money back refund if you quit within the 1st year! Then they remembered after I told them! I had to call the better business bureau and the the place I took the CCW class which gave you the high pressure sales pitch at the end of class to a captured audience and I was going to protest them and guess what USCCA called me in 15 minutes. Anyway it took over 3 months and numerous calls! When you call you have to go to the new subscriber when they ask or you’ll get a machine. Long story short it’s a big racquet and they will try everything to get you to give up!!! Just keep spreading the word! I did research! Armed Citizens Legal Defense is a no frills and tells you where your money (dues) go and the cases they took legal action on! And the dues are fair, if you decide you want insurance you might want to take a look! USCCA sucks and I don’t support there advertisers! Some have already seen the light and dropped them! Believe me, man, I know where you’re coming from. They are really something else and it takes you off how much they take advantage of people keep up the good fight buddy!!!
@@garymartin9040 Interesting experience.
Actually, the statistical odds say that none of these services are anything close to worth the money. The average person will pay for about 75,000 years before they have a covered incident.
I never saw anything from them that asked me to contact them except for their promotional giveaways. It isn't hard to find me if they really wanted to discuss it. I figure they don't really want to discuss it with anyone who really knows insurance.
You keep it up, too. These companies are ripping off your friends. Somebody is collecting about a billion dollars cash every year with nothing more than a BS line and some free t-shirts.
They collect at least a billion a year and have no real expenses. Think about that one.
READ the CONTRACT if you can’t understand it get a LAWER explain it to you!! Totally understand what you have before you get it
I don't expect an unbiased view... 00:00 The first thing you SEE in this video is a piece of engraved plastic USCCA LOGO. This has been a paid advertisement. Stopped video at 00:01
I live in the hood so I think about that every day. I pretty much stay in orange when I'm not in my house.
I am a USCCA member but what makes me think you're being very biased here is adding your referral code which gives you money for each referral. You lose your credibility with that.
Are you new to RUclips? I have referral links on every video I post. I don't make the video because I have a referral code.....i decide what i want to make a video about, then I get a referral code because I like whatever it is I'm talking about and because my kids need to eat!
I like to think that the videos I make have some value and benefit to the viewer,why shouldn't I benefit as well...do you work for free?
Ask USCCA a simple question:
How much did they pay out in claims last year?
According to their advertising, they collect at least half a billion dollars per year in premium. A legitimate insurance company would be paying out about 67 cents of every dollar in claims. They should be paying out hundreds of millions per year for bail and self-defense lawyers. Read the news. That isn't even possible.
I can't find any evidence that any of them have ever paid anything.
The odds are about 1,000 to 1 that you will never have a covered event in your entire life. If you did, you would discover the sad truth about what their policy says.
If they won't tell you how much they paid out in claims, then you are the patsy.
@@PilotPatriotI cannot trust the opinion of someone who makes money if I sign up. Really sketchy
The answer is simply NO. They have a clause in their contract that says they will not defend you if you've been charged with any crimes whatsoever.
If that's the case, why are you paying them?
They willl not help you……if you are found guilty of committing the crime. That just means look into your state laws and remain law abiding.
They will not cover you if you have been convicted of a crime not charged with a crime read the whole policy and don't believe everything your hear or see on you tube call the compnay and ask them directly the call is being recorded there not allowed to lie about the coverage in the policy
@@ilikeitwhatisit6749very true got too many commentators that don't know how to read
This comment aged poorly @@ilikeitwhatisit6749
How many times have the USCCA successfully defended someone that had to defend themselves?
Texas Prosecuter here🙋♂️
It’s failed once under my prosecution and I’ve also heard of it failing the other two times in our region when it was used. It’s too easy for us as prosecutors to convince a jury that your sole intent was to hopefully kill someone one day which is WHY you obtained that level of protection to begin with. Aside from the fact that 77% of people that actually use their guns in so-called “self-defense” are indeed convicted to begin with, if you have USCCA as a level of protection it reinforces our angle of attack to prove or at least convince a jury of criminal culpability. In other words we will convince the jury that you wanted to shoot and kill someone one day which is why you got that to begin with hopefully get off. I’ve never seen or even heard a defense attorney capable of arguing against it.
Also on a sidenote we do not attack people that use blatant rational levels of force to thwart an actual attack, the actual statistical number of people who overstep their boundaries and go beyond the scope of reasonableness in self-defense is indeed at a rate of 77% and that is actual post conviction rates. That’s the chance you have to go to prison if you pull your gun in the state of Texas. The national average is slightly higher.
@@DWCessna4130 I would hope that most people that want insurance or a lawyer they can call at anytime doesn’t mean they want to commit murder. Does that apply to any insurance? Like if I have insurance on my home and someday there is a fire would I automatically be accused of setting my house on fire? Or car insurance and I get in a car accident?
@@stevend8077 right and we just some dudes on RUclips I’m sure an attorney can figure out some more angles too 😂
@@DWCessna4130 you must be a terrible prosecutor bc your points are complete garbage, you have to be anti gun and a troll at best bc your statement alone shows you are not or shouldn't be a prosecutor 😂😂😂 gtho
Dang 😮
One suggestion people, please read the policy closely . It’s an insurance company.. see what legally an insurance company can cover keyword legally! And if you lose your case read that closely
read it, contract isn't worth the paper it's written on
See my comment at the top of the thread on primary versus excess insurance. Don't call them until you have already lost the case completely and exhausted all your other insurance.
So which company is worth it??
Please answer this question. Why was Alan Colie represented by a public defender if he had coverage with USCCA
I was in a self defense situation via road rage driver he was drunk loaded on meth and cocaine! I tried to deescalate the situation verbally but fist started flying and I protected myself hand to hand! Sent the guy life flighted to OHSU Hospital! I immediately called USCCA response team they had me a lawyer within an hours! I kept my mouth shut never gave police a statement but 9 cameras surveillance and on scene witnesses said same thing it was self defense I never got charged and USCCA has been outstanding service to me and my family! Without them I’d be paying a lawyer outta pocket and probably end up in prison! The guy that assaulted me spent 6 weeks in CCU with head trauma!! And cops want a statement still from me I said speak to my lawyer! Toxicology report on the guy who assaulted me said booze meth cocaine yet nothing happened to him legally no duii no assault charges nothing! I’ll stay with USCCA might just pick up another self defense company to protect me!
Thanks for sharing your story! Great to hear that USCCA worked for you
USCCA has AGAIN refused coverage to a paying member, deciding their guilt beforehand. Imagine if they were covering Kyle Rittenhouse, they would have refused that too. Like any other insurance company, they will look for any way to refuse coverage. Don't do it.
If you carry you need to have this. It is a piece of mind to me.
USCCA does not cover if you are convicted of a crime they will make you pay back all the fees or money they paid
ruclips.net/video/kzFOW4qjSYw/видео.htmlsi=QtIpYgWtv5qyYThN
Just make sure you read the fine print and are okay with it.
Is it worth it if I don’t have my ccw yet. Should I wait til I get my ccw to get this
Uscca benefits are for ALL acts of self defense including fists as well as acts of home defense so its still beneficial even before you get a ccw
Going by the odds, the average person would pay for a policy for about 75,000 years before they had a covered event. I can't find any evidence that any of them have ever paid a claim.
These policies are banned in some states because they are so close to fraud.
If you live in a "permitless carry" state such as the state "Tennessee" in witch I live, you are covered by this insurance.
Former USCCA members have said that they will not cover costs if you lose your case and will not pay costs if you file a appeal. Is this true?
Not sure thats entirely true! But I will say if you clearly are in the wrong and just blatantly murder someone they probably wouldn't cover that...lol
I think most companies that offer coverage like this prefer you first act within the law, which is why the training that comes along with USCCA is also important
@@PilotPatriot Would you mind telling me where you found the information at? Was it in the "fine print" or did you talk to a USCCA rep. I've narrowed my choices to USCCA and CCW Safe. Thanks for helping.
@@davidpitts4277 So I may have jumped the gun on the first part of my response. Here is a response I found to this question from a rep on the community page of the USCCA website.
"the insurance company cannot and will not provide coverage for criminal acts and the recovery and recoupment provision gives the insurance company the ability to recoup amounts paid in the event an insured was convicted of a criminal act.
I think all responsibly armed Americans would agree that if what was initially presented as a lawful act of self-defense turned out to be a black and white first-degree murder, the insurance company should be able to recoup payments."
So it seems you could be correct since if you are convicted, the implication is that you committed a crime and were not justified...could you imagine if that were not the case though? Honestly I wouldn't expect them to cover criminals. It's really no different than your home insurance not covering you if you intentionally burn your house down.
I do understand the concern of being wrongly convicted though! Good thing they have great lawyers!!!
@@PilotPatriot NOBODY will provide insurance coverage for criminal defense. NOBODY. Against the law to offer it.
Coverage stops the minute that any criminal charge is filed against anyone in your family. You have legitimate self-defense against the neighbor after he got mad because your kid broke his window.
The vandalism charge for the broken window ends all coverage immediately.
And, if that exclusion didn't get you, there are more.
Funny thing. I read the USCCA policy. One clause says that their insurance is "primary" (they pay first) except in the cases listed below.
The cases listed below eliminate any real chance that they will ever be primary.
The whole policy is like that.
@@massa55555 I have news for you. Those comments would apply to all of them.
Former USCCA member, been US law shield for about 2 years now.
What's the coverage like with us law sheild?
@@PilotPatriot Your coverage begins with:
24/7/365 Attorney-Answered Emergency Hotline
Non-emergency access to our Independent Program Attorneys
Unlimited civil & criminal defense litigation coverage
Coverage for all legal weapons
State-specific educational videos, law updates, and online resources
All this and more for as little as $10.95 per month
I have multi state coverage also. I think I pay 16.99 a month.
Criminal defense and civil defense being unlimited is my main reason
@@sooners2win USCCA defense coverage is also Unlimited!
@@PilotPatriot it has changed then. I don’t even see coverage details on website now. I just hope I never need it period!
I don't know...
This is promotional and not informative
Use the link in the description for more info
Like all insurance salesmen you haven't said whether your outfit only insures people in certain states. Are there states where USCCA refuses to provide coverage?
I'm covered in all 50 states and US Teritories
@@PilotPatriot As I indicated in a previous reply: On the USCCA's current website they DON'T provide coverage in several states. Very important information that should be provided by anyone selling this insurance.
@@Jamestfarrellwhich states ?
@@WALKERMEDIAJAIDEN USCCA Scroll down......"Membership is not available to residents of New Jersey, New York or Washington State." As of 7/27/23. As I said, insurance salesmen are slick. Always have been.
@@PilotPatriot By who?
Does USCCA defend you in civil lawsuits or just criminal defense cases?
You are covered up to 2 million for Civil cases. Unlimited for criminal cases
Which of the states are not worth getting this legal representation insurance ?
Im in NC and according to my rep I'm covered in all 50 states and US territories!
@@PilotPatriot They will not cover you in NY, I know I tried
@@usalaxgoalie1549 According the the website it does Look like residents of NY, NJ, and WA can't get memberships because those states laws prohibit USCCA from providing them.
Yet another reason to move and live in a free state!!!
@@PilotPatriot I’m trying brother. I truly am.
@@usalaxgoalie1549 good luck buddy!
If you read the contract if you are convicted of a crime you have to pay them back!! Yes the training is great because the risk is never 0, however with anti GUN DA’s and Judges there is a chance you could violate some local law and your Insurance won’t cover you! Read the contact, Read the contact, I found out that in some anti gun control areas you could be carrying and it be against the law because of being to close not in the driveway?? But on the street in front of the school or college? Yes they have good training but there is a GAP and a danger in there coverage , and it makes me sad because I have been a member since 2016 READ THE CONTRACT if you still are confused get a LAWER explain it for you!!! Read the contact though!!!
WTF, An opinion on something from a guy with a link to sign up for the item he's telling you about?
Attorneys For Freedom opened up the scam this is.
What happens if you loss your case ??
straight to jail
I got USCCA Gold and Fire Arms Legal Protection
Enjoy having no coverage.
@@forlexer maybe you don’t know
@@zabik7221 I know most self defence cases plead out... And if you plead, that means no coverage.... So yes.
I can't find any evidence that any of them have ever paid any claim.
If USCCA was a legitimate company then they should be paying out hundreds of millions per year in bail and self-defense lawyers. That isn't even possible.
I showed the USCCA policy to a friend who sold insurance for forty years. He laughed out loud when he read it.
These policies are banned in some states because they are so close to outright fraud.
@@forlexer The odds are about 1,000 to 1 that you will never have a covered event in your lifetime. The average person would have to pay for about 75,000 years before they had one.
If you did then you would get sad news about what the policy actually says. It is a lawyer's lesson in how to not pay anything.
At first the coverage they offer seems nice BUT! When you take the TIME and READ the transcript, YOU will find the flaws!!!! Read the 15 pages!!!!
I just canceled my membership. Their training materials are excellent. But I bought it for the legal defense option. I’m not going to throw the decision of my legal coverage to the tender mercies of an insurance bean counter. If you’re buying it for legal defense protection, I highly recommend you augment your USCCA membership with a membership to a legal defense fund or get an attorney retainer.
You are not at the mercy of an insurance bean counter lol, you have your choice of attorney or pick from 1 of 1200 nationwide attorneys that specialize in self defense that are in the USCCA network....your legal defense if up to you if you want it to be, uscca just pays for it and assist in finding the attorney if you need help
@@PilotPatriot read the contract. If you and your attorney decide to take a plea deal that keeps you out of jail and retain your gun rights, your coverage is null and void; you will be required to pay back every penny that the USCCA gave you for your defense. The insurance company can also, at their sole discretion, determine that you committed a crime and deny you coverage. It has happened to USCCA members already. I don’t trust them enough to believe that they’ll have my back in a self-defense situation. Read and understand what you’re agreeing to before you buy. That’s all I’m saying. You ARE at the mercy of the insurance underwriter.
@ProDeo04 you mean if you plead GUILTY???? Duh!! What company you know that covers criminals??
@@PilotPatriot First, let me clearly define the assumption that you’re making here. Your assumption is that you will only be found guilty if you’ve actually committed a crime. And, that you would only plead guilty to a lesser crime if you believed that you were guilty. I’m not sure that you understand how the legal system works. Innocent people are found guilty and guilty people are found innocent more often than you may think. In my line of work, I have been a party to enough civil cases to know that you can have done absolutely nothing wrong, and it’s still to your advantage to take the settlement.
I would also point out that this has actually happened to USCCA members. Ask Kayla Giles. Her USCCA appointed attorney still maintains that it was an open and shut case of self-defense, even after the USCCA dropped her coverage.
I’m bringing this up because I know a lot of people (myself included) were under the impression that if, by definition of the law, you were involved in a self-defense shooting, you were covered, regardless of the circumstances. The USCCA is not clear (some would say, honest) with potential customers about what their coverage is and is not. It’s also interesting how the USCCA’s own video debunking the claims I’ve outlined here hedges every counter point with words like “very likely” and “probably” to the argument.
To be clear, I think the USCCA training is decent for an online course. But their self defense coverage isn’t worth the paper it’s printed on. That’s my 2 cents. You can take it or leave it for what it’s worth.
Mainly, these are nearly full financial support incase you get sued or must use your firearm in self defense. Discharging your firearm has its own responsibility especially if a coward decides to tell on you if you draw it when he’s just being a bully.
No one except rich people can afford a million dollars worth of a defense attorney’s time. I know I can’t. I carry everywhere. Not at work but it’s in my car after I get off work just in case I meet any road rage individuals. I had USCCA for nearly 5 years and I just switched to CCW safe since the bailout money was too skimpy for me.
Pro se is free and truth reigns in righteousness.
Seriously thinking about this. Thanks for the breakdown
The odds are about 1,000 to 1 that you will never have a covered event in your entire life.
If you did, you would discover the sad truth about what the policy says.
You will never collect a dime from any of these companies. No one ever has.
I’ve had Legal Shield for a while because they give you legal coverage in case of a shooting and also legal advice for other stuff.
👍
But does legal shield have limits? USCCA has NO LIMIT on defense expenses, it's also covers civil liability
@@PilotPatriot yeah I think it’s like a million dollar limit.
@@PilotPatriot that is interesting that they don’t have a limit. How much per month?
@@skoolynugenator1802 $29 of you don't want the training that they offer. If you want the included self defense training they have higher tiers to give you access to that.
UNDER SECTION III - SELF-DEFENSE LIABILITY CONDITIONS
Subsection I Recovery or Recoupment
“We shall have the right to seek recovery or recoupment from an “insured” the amount of any payments made to, for, or on behalf of the “insured”, including payments made to third parties, if it is determined that any such payments were made for matters not covered by this Policy or are otherwise prohibited by applicable law.”
Under their policy, the USCCA reserves the right to come after you for all costs and money they paid to defend you if you get a guilty verdict.
Don't worry about that. You will never get there, anyway.
See my explanation of primary versus excess insurance at the top of the thread. If anything ever happens, don't call them until you have already lost the case and exhausted all your other insurance.
im not reading it that way. it does not say if your guilty, it says if they pay for something not covered in the policy.... for example an uber ride to court everyday.....food for lunch while in court, etc.. Or am i reading it incorrectly?
USSCCA is in my opinion: this organization is the most annoying on earth. I signed up for one of their free concealed carry maps and then was besieged by advertising emails for give away guns. I have requested numerous times to be removed by unsubscribing and they keep sending me advertising emails. In my opinion this is a very sleazy business practice! I wish I had never ever ever had ANY dealings with them!
Pass on this insurance company.
USCCA is a terrible plan for legal backup..
No! In American 🇺🇸 there is no such thing as legal!
You going to elaborate or just run your mouth? Explain
Says the attorney that was denied to be on their legal team.
@@tonybrown5425 The odds are about 1,000 to 1 that you will never have a covered event in your entire life. The average person will pay for 75,000 years before they have a claim.
If you had a claim then you would discover the sad truth about what the policies say. I showed the policy to a friend who had an insurance agency for forty years. He laughed out loud when he read it. It is a sucker's bet.
None of them have ever paid a claim. None.
@@cliffordschaffer5289 it was a joke. Idc what you have to say. Good bye.
You survived a violent attack. What are the odds of the bad guy's survivors suing you for damages and also get the Department of Justice to press civil rights violations on you?
Pretty good given the world today. You need shearing?
You’re obviously paid by USCCA to be biased in your reviews. Just looking through your comment replies…it’s clear as day. 😏
I am somewhat biased because USCCA is what i have personally and ive been happy with the growing coverage and training they offer. Its also endorsed by others that I trust like John Lovell from the Warrior Poet Society. But Mostly because I look at the data compiled and updated regularly by ConcealedCarry .com (which I've clearly included in the description for everyone to see )
www.concealedcarry.com/self-defense-gun-owner-insurance-programs-compared/ and based on the data USCCA appears to me to be the best.
Im not hear to push anyone, Ive been happy with USCCA so i shared it with you guys...if you feel differently, thats cool!
Im not a lawyer, cop, veteran, proffessional shooter, or any of the above. Im a dude that wants to protect myself and others in every way possible and i happen to share my opinions on RUclips.
@@PilotPatriot ... interesting.
Their website looks like an As Seen On TV ad. Their agreement has too many caveats. The whole thing is just gimmick for paranoid people. Mind your business and do the right thing, the law will protect you, even if it does so slowly.
is the elite worth the money?
I think so, I like the online training videos. Especially the "Countering the mass shooter threat" training
Straight ford this is just like paying for car insurance if it’s not your fault your covered if it is then your pretty fckd…I’m a member and I always will be.
I was in the military
Thaks for your service!
If anyone is unsure about this form of protection...just as Kayla Giles...who uscca abandoned, the insurance company did, who is now in prison.
Yea but if you look at the case it's clear she planned to murder him.
Is uscca worth it?
Absolutely NOT!
CCW Safe is a better value and still pays of you are found guilty or plead to lesser charges where USCCA does not
Coverage is a good idea, but bad coverage or getting sold out because you find out after the fact that you're not covered ...it's the worse. The USCCA will pull the coverage if you have to take a plea bargin, and you'll almost always be offered a plea bargin.. When asked directly, USCCA, tap dances around the issue.
Why would you take a plea bargain for something you didn't do if the evidence is there that is a justified self defense shooting then you wpildnt need a plea bargain you should be found not guilty
@@ilikeitwhatisit6749 because sometimes it’s in your best interest to do so. You need to consider who the jury is. If they’re not on your side to start out with (meaning, they’re anti gun), and you’re offered a plea deal that allows you to retain you gun rights, it may be your best option. I’ve been party to enough civil suits to know that it’s possible to have done nothing wrong. And yet it’s still in your best interest to take the settlement. It’s an imperfect legal system; you need to learn to work inside of it.
I’m an elite member the best decision I’ve made as a edc person
You know USCCA will ask to be recompensed if you get convicted of any crime during your self defense? Or that they may simply decide not to cover you at all? Or that they will expect your lawyer to abide by their litigation guidelines during your defense trial which may end up costing you your freedom?
@@xcrfty what make you said that?
I can't find any evidence that any of them have ever paid a claim. The odds are about 1,000 to 1 that you would never have a covered event in your entire life. If you did, they would give you the bad news about what the Primary Insurance clause says, first.
@@zabik7221 It's in their contract. If you lose your case or are convicted, they do have the right to seek reimbursement from you.
@@zabik7221 imagine your in jail, might be months on end, they offer you a plea deal misdemeanor and it will be off your record after probation, you can't take that plea deal bc you have now 1000s of dollars probably exceeding 20, bc uscca will now go after you bc you pled out, most cases BTW end in a plea deal it's something to think about bc you could be sitting in jail if you go to trial close to 2 yrs, don't believe me look it up
Another poster child for USCCA. Shortcut to the answer proposed in the video: is USCCA worth it? NO they aren't. Us local vendors for training. They are competent and need the business. And get thorough LEGAL DEFENSE, not another insurance plan that is designed to short change you when you need them the most.
CCW safe gives you much better coverage
How does it differ from USCCA???
@@mercedesbenzs600bash still researching myself bc some of these companies I've seen are scams, ccw goes with you to the end and even pays for appeals etc they won't recoup the money on a plea deal from what I've seen and they are only company that has went from start to finish defending a customer on murder charges that was found not guilty, uscca can't say that except I keep seeing horror videos about them on RUclips, uscca is governed by a 3rd party also where as ccw is self insured and there are no 3rd parties, they also send a team to scene immediately for various tasks in which I haven't really seen from others and I have to check again but I think they also cover a bond, have to check on that bc I could be wrong but I think they do, I've looked at too many companies to remember the bond part but I think I'm right
F*** NOOOOOOOO!!!...
Man i just want the free gear 😢
Schill
Paid promotion. Title suggests you are giving an opinion. Additionally, this service is for civil actions not criminal actions.
Incorrect, unlimited criminal defense expenses, 2 million for civil.
Not a paid promotion, I have the service and use it and am happy with it so I'm sharing it with others.
I do now an affiliate partnership after becoming a member so i can share a link with you. but that's no different than any Amazon link I post, I talk abou things I like and find a link to share with you guys. I would never and have never pushed a product that i didn't use and like myself.
@@PilotPatriot How much money have they ever paid in claims?
If they are legitimate companies then, with the money they collect, they should be paying out hundreds of millions per year for bail and self-defense lawyers. Look at the news. That isn't even possible. There aren't that many cases.
I haven't found any evidence that any of them have ever paid any claims, at all.
Please speak to the following..
1) Alan Colie? USCCA didn't cover him, yet he was found innocent. In fact, please do a video on this
2) Where i live simply discharging a firearm is a felony aka you are already guilty of a crime. So, USSCA can just drop me? It's worth noting where I live four-legged threats are the primary concern (such as a loose pit bull).
Discharging a firearm is a felony? YOU should move
@PilotPatriot Seems like I need to look at alternatives to USCCA like AOR
Short answer is no, uscca is not worth it. Read the fine print! Look at other insurance and do your research.
No it’s not worth the risk and money
Thanks to USCCA Kayla Giles is now rotting in prison
Yes, and INSURANCE company supplying the funds - when it is ILLEGAL for any Insurance company to pay out funds for an illegal activity...always go for a self defense club - funded by an INSURANCE company. I would suggest someone or group such as "attorneys on retainer." Which are legal and able in all 50 States; no restrictions as to which State; and will ALWAYS help you - for any self defense incident where you were charged with a crime. A Self Defense Law Firm on retainer.
USCCA Pros And Cons
Great Training
Highest Daily Per Diem
Can Pick Your Own Attorney
Might Have to Pay Everything Back
Highest Cost
Capped Coverage
US Law Shield Pros And Cons
Lowest Price Around
Unlimited Criminal Defense
Unlimited Civil Defense
Bail Coverage is Extra Add-On
Can’t Pick Your Own Lawyer
No “Per Diem” Amount
Your facts are incorrect! USCCA defense coverage is also Unlimited!
Also No per diem, And US Law says they cover "Civil litigation" that doesn't account for settlements which most civil cases end in...USCCA cover civil liability including settlements. Also covers lost wages, incidental expenses, bio hazard cleanup, 1 million dollar bond, etc. All at no additional cost. And yes they offer alot of ongoing training that you won't get anywhere else because you cant defend yourself in court if you don't first successfully defend yourself!
The "you might have to pay it back" thing is totally false as well.
Both companies seem to be ever evolving and getting better and better coverage which is probably why we both are mistaken about the coverage of the other company.
@@PilotPatriot USCCA will not cover domestic violence incidents, US lawshield does. I don't know who the best is. But for me personally it's clearly us lawshield. I was paying 40 a month for USCCA and it was limited not unlimited 100 percent positive of that!
@@sooners2wini dont think thats true either....it says "ALL" legal acts of self defense. I see no distinction about domestic violence.
That price is for the top tier which includes the training. If you don't want the training it's $29
But im no insurance salesman...like I said, I looks like both companies are ever-evolving and improving their coverage. So they are only getting better!
I am more interested in making sure I can effectively defend myslef...the legal protection stuff is just to help out after the fact
Found an accurate comparison of all the top companies if anyone is interested: www.concealedcarry.com/self-defense-gun-owner-insurance-programs-compared/
@@PilotPatriot Seems you're clearly compensated by USCCA. You need to dig deeper, because your "facts" are not accurate.
No
LEARN MORE ABOUT USCCA: tracking.deltadefense.com/SH35E
See the comparison to other similar services: www.concealedcarry.com/self-defense-gun-owner-insurance-programs-compared/
See ruclips.net/video/gbEbOJMdK30/видео.html
That's a review by a lawyer. The policy is written so that payments will be rare, at best.
The same issues would apply to any other similar policy on the market.
See your regular insurance agent to compare any of these with a standard million-dollar umbrella GL policy that covers A LOT MORE for about 15 a month.
@@cliffordschaffer5289 will your regular umbrella policy help you find a great defense attorny that specializes in self defense so that you are ultimatly proven innicent, or cover damages in civil cases, lost wages, bio hazard cleanup? Or train you to be ready to defend your life so you can live to defend yourself in court?
Of course if you are criminal looking for a service to help you get away with out right assault or murder...they wont cover you ....duh, but if it's self defense they will fight to make sure that is proven.
It's more expensive but worth it in my opinion. I urge everyone too look into it and decide what they think is best, Main thing is just to have SOME coverage!!!
@@PilotPatriot "will your regular umbrella policy cover damages in civil cases,"
YES. For far greater damages, in far more circumstances, at a lower cost. See your agent.
" lost wages,"
I used to sell disability insurance. Count on winning the lottery before you collect from that.
" bio hazard cleanup?"
If it is your liability, then sure.
" Or train you to be ready to defend your life so you can live to defend yourself in court?"
You can get that for free rather than paying to go to an organization created by the insurance company to sell their insurance.
" It's more expensive but worth it in my opinion."
Which particular part is worth it that you couldn't get for less, with better coverage, elsewhere?
" I urge everyone too look into it and decide what they think is best, Main thing is just to have SOME coverage!!!"
If you have homeowners or renters then you already have coverage for anything they can cover. Furthermore, your homeowners or renters insurance would be "primary" so these people wouldn't pay anything until all your other insurance had paid out their maximum limits, anyway.
So, even if every part of their story was true, and you qualified 100 percent, they would still be last in line with the checks.
If it worries you, it would be cheaper to get a standard umbrella GL for less and watch self-defense videos for free. There are lots of them.
@@PilotPatriot To be perfectly accurate, liability for biohazard cleanup would be limited to things like cleaning up the blood from gunshots.
It would not include dumping barrels of toxic waste. If anyone told you that the company would pay for that, based on those kinds of premiums, then they have misled you.
Furthermore, if you did something to release toxic waste that would be a violation of the toxic waste law, then no coverage at all, for anything.
And that would be true of ANY insurance. If you want real coverage for biohazard other than incidental stuff then you need a special form and you are not going to get it in a package like these.
@@cliffordschaffer5289 TOXIC WASTE???????????????????? LOL 😆 🤣 😂 It's self defense insurance man....lol. unless I have to drop a barrel of toxic waste on an attacker to stop him, I'm not expecting uscca to cover it haha. Yes, I was talking about blood from the scene. This conversation is degrading rapidly!!
I understand that you are not a fan of uscca and think there are better cheaper options!! Thanks for your input
NO.
No it's most likely a scam
I gave you a thumbs down since you’re pro USCCA!
So I don’t know who you’re talking to, but I’ve had three years of training and I feel that’s enough, no matter what you feel or say! I do go to the gun range to keep acclimated! But I definitely don’t need training. I’m a small arms technician without gunsmith tools. I restore small arms. I’m a decorated Vietnam veteran of the United States Marine Corps. Besides my on the job training in Vietnam. And one of your brothers instructor Mike insulted me by calling me a white boy and said I should keep up with my training.
I wish he was in front of me when he called me a white boy!!! Because I would’ve rearranged his jaw so that he could never say those two words again!
I called the USCCA and asked them to revoke his instructor license! They said no, so I left them! Racism and insults do not belong in the forte of weapons instructors !!!!
You lost me when you said you don't need training..... even world champion shooters and navy seals still continue to train...
And you dimiss an entire company because of what ONE person said? Lol
Shilling for an insurance company. A waste-of-time video.
You are promoting something you haven't researched. Don't endorse something you know nothing about. Unless you are a paid spokesperson
And you've assumed I havnt researched it...why???
I've researched it extensively and weighed all the options and spoken to reps of multiple organizations.
I don't believe any of them are perfect for everyone or in every scenario but coverage is similar in the top options and I like USCCAs training tools and self defense education as well as civil settlement coverage.
www.concealedcarry.com/self-defense-gun-owner-insurance-programs-compared/
Read all the other comments and you'll see why it's obvious you've done zero research, and didn't even read the policy.
@@erichauser725 self defense is not a crime, if you act within the law they will fight for you and pay for it. If you are a criminal of course they won't cover you.....
Does your home insurance cover you if you burn the house down on purpose???
@@erichauser725 you have some reference or link to where you see that?
@@erichauser725 ... interesting.
Bs coverage.
What what people going to do during guys who was with people that lose my knows karate and take the guns when I was growing up they didn't head gun permits it's stupid letting people packing guns got permit to carry guns 12 doing the crime it's going all around the world picking on people come out penitentiary man that stupid
huh?
@@PilotPatriot Thank you public education!
How much did they pay you for this nonsense my boy 😂🤣😆
0, but I am a USCCA instructor
@@PilotPatriot 😂🤣😆