US Concealed Carry Association

They seem to generally support CCW, while persistently pushing the purchase of carry-specific insurance policies.

Which are not actually "insurance", carry NO contractual obligation of any specific payment, speak borderline truth to the customers, and are full of swiss cheese.

- USCCA states that they are not allowed to pay legal fees until someone is found innocent. Sorry, not true.

- It states it is backed by insurance, but you are not a specifically named beneficiary, and you do not own the policy. This means that the insurance company does not have fiduciary responsibility to you as a policy holder (notice of cancellation, etc.)

- Payment only if tried and found not guilty. No protection for the fees incurred protecting your rights in a situation that does not result in criminal charges, or if you cop a plea instead of roll the dice in a rigged game.

In fact USCCA states "In fact, men are sitting in prison right now for defending their families from violent attackers hell-bent on ending lives. WHY are they sitting in prison? Why are most people who use a weapon to defend themselves painted as murderers and trigger happy maniacs in court? The answer is simple: because they COULDN’T AFFORD A GOOD LAWYER."

Guess what? If you can't afford a lawyer, the USCCA policy will not help you get one to take your case, as they only pay if you are charged, tried, and acquitted. If you're short the $100K retainer, just try getting quality representation using the promise of signing over the USCCA reimbursement check when the attorney wins your case

- No info about any audit, escrow of funds, re-insurance if claims exceed fees paid, no insurance commission oversight, etc.

I don't necessarily think this is a scam, but it's not really broad spectrum protection, and will only cover a very small minority of the cases in which you might need legal fees. It's sort of like medical insurance that only covers cancer of the left testicle. Chances are the only way USCCA could get an insurance company to underwrite such a policy is to have it limited in nature, and exclude the majority of cases in which substantial legal fees would be incurred.
 
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I don't necessarily think this is a scam, but it's not really broad spectrum protection, and will only cover a very small minority of the cases in which you might need legal fees. It's sort of like medical insurance that only covers cancer of the left testicle. Chances are the only way USCCA could get an insurance company to underwrite such a policy is to have it limited in nature, and exclude the majority of cases in which substantial legal fees would be incurred.

So basically, in summary... it's pretty much worthless. [laugh]

-Mike
 
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