Here is a USCCA Review, and why you should even consider getting concealed carry insurance to begin with.
We live in a volatile world and I, personally, have made the decision to carry a concealed firearm on my person in case I need to defend myself or family from some lunatic looking to hurt us. Chances are good that you’ve made the same decision or are at least trying to figure out if you should. That’s why you’re here.
But here’s the thing, making the decision to use deadly force, while not one to be made lightly, is actually the easy part.
The aftermath, not so much. After your self-defense encounter, you actually run the risk of getting into some serious trouble if you make even the slightest mistake.
Before I move to the USCCA Review, let me get one of these mistakes out of the way right now, that way even if you don’t decide to get concealed carry insurance, you’ll at least still have this slight edge.
Don’t talk to people after a critical incident where you needed a weapon to defend your life.
Call the police, give a description that says something like, my name is so and so and I needed to protect myself with my firearm. Please send an ambulance and the police. I’m wearing these clothes, and look like a big hairy gorilla.
Then, call your lawyer. Once the police arrive they’ll be pushing you for details. Don’t give them any because there have been circumstances where folks got into trouble based on a statement they gave. Tell them you’d like to speak to your lawyer first.
It’s your right and they have to respect that. The right to an attorney is not just for criminals. They have to leave you alone at that point.
Now that we’ve gotten that out of the way, let’s move on to the USCCA reviews.
To be frank here, you will likely never need any concealed carry insurance. That’s just the truth of the matter.
Then again, you’ll likely never need a fire extinguisher in your home either and chances are good that you’ve got at least one in your house.
And, as far as I know, it’s a requirement in all 50 states to have smoke detectors in your house.
Chances are in your favor that your house will never catch fire. Chances are good that, minus the occasional over cooking of whatever’s on the menu for the night producing plumes of smoke, you’ll never need those smoke detectors.
Yet, they’re an everyday thing, and something we don’t think about until they’re needed or warn us of danger. We don’t think of the fire extinguisher until that smoke from mom’s kitchen catches fire. Then the only thing we can think about in that moment is to put out the fire with the tool we’ve had at our disposal for so long but never even thought about prior to that moment–the fire extinguisher.
You are just like me and the rest of America … We take things for granted. We take our cars, our homes, our loved ones, and even our own lives for granted.
Here’s the problem, though … Sometimes fires happen. Sometimes floods happen. Sometimes, life happens.
You can’t control what happens to your house any more than you can control someone who tries to rob you late one night walking your dog–or the thug who throws a brick through your back window looking to steal your goods, hurting you in the process.
Oh, and of course there’s the little bit about there being about 350,000 structure fires in this country each year. That’s why you have smoke detectors and fire extinguishers in your home.
In the same vein, people defend themselves with their firearms every day of the year. That’s why you carry a gun, and also why you should have concealed carry insurance. But then, this begs the question —
Is the USCCA Worth It?
Well, that depends a lot on what you’d consider to be “worth it.” When it comes to self-defense insurance, there are a total of 3 companies I’d trust with my freedom. One of them is USCCA.
But, let’s talk for a moment about the main purpose about whether or not it’s worth it.
Is your freedom worth the money? Mine is, but I’m not going to answer that for you. How could I? I don’t know your circumstances. All I can do is tell you about mine.
I am personally willing to pay for top level insurance to keep myself out of trouble later on. Can I afford it? No, not really. I’m a hard working American with a couple thousand in the savings account for a rainy day. For the most part, we live from one paycheck to the next because of a lot of medical expenses we had a few years ago.
But you know what I can afford even less? A lump sum payment of tens or hundreds of thousands of dollars just to keep myself out of jail.
Everything in life costs money, even freedom. To me, USCCA = peace of mind.
I have no plans to keep updating this article with the price, so I’ll just provide a link for you check the most recent price on USCCA membership.
One thing many concealed carriers take for granted is the aftermath of a defensive shooting. Making the decision to pull the trigger in defense of life is one thing. It’s something entirely different to find out that people want to lock you up for the rest of your life because of it.
Honest, every day citizens are locked up all the time for crimes they didn’t commit just because they were in the wrong place at the wrong time, or they fit the description of another person who is a criminal.
When you actually shoot somebody, even if in self-defense, it opens you up to even more potential to get screwed in court.
Because in every part of the country from Maine, down to Texas, and up to the Pacific Northwest, there are extremely anti-gun people who want nothing more than to make an example out of someone who defended their life with a firearm.
While you may never have to pull your trigger in self-defense (and pray that you won’t), you carry a gun for a reason and people defend themselves with their firearms every single day of the year. Personally speaking, it’s worth it to me to pay a small monthly price to ensure that I’ll be covered should I ever need to use my firearm, or any other legal weapon, in self-defense.
But, membership in USCCA or any concealed carry insurance for that matter isn’t for everyone. Maybe you know a lawyer already who is willing to represent you. Maybe you’ve got a solid handle on the law and will represent yourself. Maybe you don’t plan on ever actually using your firearm in self-defense.
Still, I’ll tell you the risks even if you decide not to enroll in concealed carry insurance.
What are the risks of concealed carry?
You’ve likely heard it said, or have perhaps even said it yourself that it’s better to be judged by 12 than carried by six. While I certainly understand your point of view, you still need to be able to defend yourself in court.
The best way to do that is to be prepared from the get go. All that I’m about to say isn’t meant to scare you, but to open your eyes to the risks associated with the concealed carry of a firearm.
A few moments ago I mentioned that in any part of the country bad things can happen, and that’s why we carry a concealed gun. However, people who want to make an example of us exist in every part of the country, as well. Take Mr. Kirkman for example, straight out of Texas–who just spent 55 days in jail for defending himself.
His case went to a Grand Jury where he was later acquitted (about two weeks before the time of this writing), but he had to get there and spent almost 2 months in prison. I used to work in a prison, and trust me when I say it’s not fun.
That is two months of his life that he’ll never get back, and thankfully it was only that long. While we don’t know the details of the case, we can speculate and come to the conclusion that had he been better prepared he might not have had to spend any time behind bars.
This sort of thing happens more often than you think it does and it’s better to be prepared from the start, knowing exactly how you’re going to pay for everything. That, my friends, is one of the main benefits of having a concealed carry insurance like USCCA: You are covered if you ever need your firearm or other legal weapon in defense of your own life or a loved one.
What USCCA is not:
If you only get one more thing out of my USCCA review, it’s that concealed carry insurance is not a get out of jail free card. Rather, what they do is provide you with a means to fight for your freedom should you ever get jammed up.
Mr. Kirkman who did nearly two months in jail (mentioned above) didn’t post bond, which was reportedly $500,000. I don’t know him so I can’t say why he didn’t pay, but I can say that I don’t have 500K just sitting around.
But, as you can see in the below chart, 500,000 dollars is an option at the Elite USCCA Membership. If he had that, he would have been able to spend his time at home working on his case with his paid for attorney.
Just having the USCCA concealed carry insurance isn’t going to get you out of trouble. All it does is provide you with a means to fight as hard as you can while giving you peace of mind that you’re actually covered with up front money to pay an attorney, daily pay for you, psychological support, and other benefits.
USCCA rocks, and is, in my humble opinion, the best concealed carry insurance out there for people in most areas. There is a caveat to this, though, in that people in certain states won’t be able to use USCAA.
For people in Washington and New Jersey where the states have said it’s illegal to use a “traditional” type of insurance for self-defense, you have to use CCW Safe as they’re the only ones we’ve found who can cover you in these states because they’re non traditional. Here is a chart comparing the major concealed carry insurance companies’ biggest benefits:
Concealed Carry Insurance Comparison Chart:
Things that stand out with USCCA:
I’ve heard a few Second Amendment attorneys say that that having concealed carry insurance is a great thing. But, it needs to have two things to even be considered:
- Be able to choose and vet your own attorney, instead of getting stuck with one you hope is going to be worth his/her weight.
- Be provided with up front funds for your expenses so you actually can pay your lawyer so he/she can continue fighting on your behalf.
If you cannot pick your own lawyer or get the money up front, you may not have a fighting chance at keeping your freedom. And that is why I’m even here telling you about this.
I’ve never used it, though:
I’d be lying to you if I told you that I ever had to use USCCA after a self-defense incident.
So, it’s really hard for me, or anyone who hasn’t used it, to give you any proper USCCA reviews. And, really, you should never listen to someone’s review if they’ve never actually had the chance to use a product to its fullest.
And to be honest, I hope I never have to use it. I pray I don’t.
USCCA Review Conclusion:
It’s my hope that I’ve given you some things to think about after reading my USCCA Review. I’ve tried to be as thorough as possible and tell you why I think it’s worth it to join. If you’d like to learn more, you can do so, here. Also, below is the most recent chart they’ve got on their website comparing the basics of each plan. That above link leads to a more detailed chart, as well, breaking those basic benefits down into specifics for you to compare.
Stay safe, train often, and remain prepared for anything.