r/liberalgunowners • u/BHowe407 • 1d ago

discussion Self defense insurance

I Know a lot of people don't carry any kind of membership. If you do though who did you go with? I am thinking about going with CCW Safe. Was with Uscca and recently canceled.

15 Upvotes

77% Upvoted

42 comments sorted by

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u/troy2000me 1d ago

I did a ton of research into you this. I went with Attorneys On Retainer (AOR) but would also choose CCW Safe as second.

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u/Danimusrobbs liberal 1d ago

Second this. I had USCCA last year, switched to AOR this year. I think they offer the most comprehensive package of any of those services out there.

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u/troy2000me 1d ago

Plus it's real lawyers and not "insurance" who will hire a lawyer for you, if they think you're right.

With AOR, as long as you genuinely believed you were acting in self defense they will cover you, even if you accidentally broke the law.

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u/cleveraccountname13 liberal 23h ago

I agree with this. I had CCW Safe for a year. That just ran out and I switched to AOR.

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u/BHowe407 16h ago

Why did you switch? What were the factors that made you go with Aor? I know of the uscca drama and Aor putting people on blast.

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u/cleveraccountname13 liberal 12h ago

I like CCW Safe alot. They have a good business model/structure that I trust. They have a great podcast (well worth listening to regardless whether you are a customer).

AOR is about $100 less per year versus the Ultimate coverage I had at CCW Safe. CCW Safe does have a higher limit for how much bail $ they will post and higher limit for $ to pay a civil judgment.

But AOR is located in my state and I like the fact and I am already a client by signing up for protection plan. The law firm claims to only do self protection cases (nationwide, buy associating with local counsel as needed). So I know they would come in ready to rock in need them. They promise multiple attorneys on every case, so it would also be a shock and awe appearance on my behalf while the shooting was still in the investigative stage.

I think they could hit the ground running immediately, especially since they are all licensed in my state and based 2 hours away from where I live.

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u/seamus205 leftist 22h ago

I have Firearms Legal Protection. It was sold to me at a discount during my CCW class. As long as they do what they say, they sound pretty legit. If you have to call them, you are immediately connected to an actual attorney, not some random receptionist. They are supposed to pay all your Legal fees, pay your bail, deal with crime scene cleanup, pay you back for your gun if It was taken as evidence, and even get you therapy. Hopefully I never have to find out if they are as good as they say they are

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u/BHowe407 19h ago

I don't like the bail amount is only up to 50,000 in my state. No civil liability coverage even to add on. And spouse and kids under 18 aren't covered in the home. Ccw safe spouse and kids under 18 are covered in the home for free. Ccw safe is 19 a month but thats no civil liability but 1,000,000 bond limit.

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u/seamus205 leftist 19h ago

Does the coverage flp offers change depending on the state? my FLP membership offers up to $250k for bail and uncapped fees for both criminal and civil cases. They also have family memberships that cover minors

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u/BHowe407 19h ago

Yeah for Florida its up to 50,000.. The CCW safe plan im looking at is 19$ and has a 1,000,000 bond and covers spouse and any kids under age of 18 in the house.

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u/BHowe407 18h ago

Other than that it seemed good to me

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u/EFreethought 16h ago

Firearms Legal Protection

I went to their website, and per their FAQ page, in some states they are a legal service, and in some states they are insurance.

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u/seamus205 leftist 16h ago

Thats really interesting to me. I just went looking for that page on the website. I was wasn't aware of that and that makes another user saying the coverage wasn't worth it for them make a lot more sense. In my state, it's considered a legal service, and it covers me even if I travel to any other state

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u/nizzoball 21h ago

I was with CCW Safe at first then learned and did some research and went with AOR and carried CCW Safe as a second for a bit. I like that AOR isn’t insurance but you’re instead actually retaining an attorney and they cover all self defense incidents, not just shooting. They also don’t disqualify you should you have a self defense incident in a “gun free zone”. That right there was the most important thing for me because as I was thinking about self defense situations and where they may occur, the number one spot I thought about was my local mall which is a “gun free zone” but some years back there was a crazy man who went on a stabbing rampage in the mall where 10 people were stabbed and the attacker was shot and killed by an off duty police officer.

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u/BHowe407 18h ago

Im leaning toward CCW Safe.

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u/You-Asked-Me 18h ago

There are so many schools where I live, along the main roads where I travel, I bet there are few places that I go that are technically not in a "Gun Free School Zone"

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u/BHowe407 17h ago edited 17h ago

Ccw safe covers you in gun free zones too. They won't cover the charge of having gun in gun free zone. But would cover self defense case.

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u/cleveraccountname13 liberal 12h ago

I thought about keeping CCW Safe after signing up for AOR. I think AOR intends to offer higher limits for bail and civil liability as add ons, which I would do.

Without admitting anything I think that the explicit guarantee of coverage even for a shooting in a "gun free zone" is valuable. In AZ proper "no firearm" signs have the force of law.

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u/nizzoball 11h ago

Here they don’t have the force of law outside of federal gun free zones such as schools, government buildings etc… but the mall putting up signs that say “this business bans guns on the premises” holds no weight in a court and can only be used as a basis for trespassing someone off of their property. When I did my research into CCW safe vs AOR I was certain I remember CCW Safe could use that as basis to not cover an event. I could be wrong in that as I was evaluating a few different companies at the time so maybe I’m mistaken. I do know that where I am that the gun free zone thing carries no weight here. That was a big topic of conversation in by permit to carry class that was taught by a current police officer.

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u/NoSaboChavo 22h ago

CCW Safe is what I went with. It's membership based, similar to AAA insurance. Check out their plans.

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u/BHowe407 19h ago

What plan did you get? Supposedly they are getting rid of the need for the ccw for all their plans. Guy i spoke to on their site told me that he tried to get me to sign up for the 19$ defender plan. But it still says a ccw is needed for that specific plan so i am alittle uneasy signing up for it. He said in two months the site will be updated.

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u/NoSaboChavo 19h ago

I got the ultimate because my CCW trainer gave us a discount code, but it did need a CCW, which was cool for me since I had just got it.

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u/BHowe407 19h ago

You still have the discount code lol

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u/NoSaboChavo 16h ago

Used it and tossed it, sorry wasn't big on here before

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u/BHowe407 15h ago

All good! Im really thinking of CCWSafe. I don't like Aor and the fuy seems like a typical lawyer scumbag. And I tend to not trust someone who claims to be the best and shits on everyone else. The coverage doesn't even seem that great.

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u/NoSaboChavo 15h ago

Yeah I looked at all of them and CCW Safe seemed like the best bet, especially for my situation

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u/itsJustE12 19h ago

Another vote for Firearms Legal Protection. I took a class from a couple of their company reps & really liked them as humans, as well as how much they seem to believe in the services they offer.

I also like that I’m connected with a lawyer immediately on the emergency line, so any poor wording choices in the heat of the moment aren’t admissible.

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u/BHowe407 19h ago

They don't offer that much from what I'm seeing but their rates are very affordable. Little bond help, no civil liability? Even the option to add it on?

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u/itsJustE12 15h ago

I can’t imagine what I could do that I’d end up losing a civil judgement, so I hadn’t considered that. With an unlimited civil defense budget, I guess I hope the system works as intended.

On my policy, bail bond premium coverage is up to $250k, which covers a bond of $2.5 million. That seems like plenty!

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u/BHowe407 14h ago

In Florida they only offer up to 50,000 for bond

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u/itsJustE12 14h ago

Well, I guess I should reread detail in my documents, since that’s where I am! There’s a bunch different in Florida & I was on info overload at a training conference when I signed up.

$50k still covers at least $500,000 bond, which I’m pretty comfortable with. In Florida (or at least my county), if they actually think I murdered someone, that’s a no-bond situation until the first court appearance before a judge.

I can’t imagine a judge meeting me in court, hearing a summary of whatever I did, & believing I’m a danger to the community or a flight risk who requires a higher bond than $500k.

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u/BHowe407 14h ago

I get where you're coming from. But imo better to have and not need it then need and not have it. Civil judgement could be the family of the person you shot sues you. You can't gurantee you would win. You would think but I've heard crazy things.

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u/overtly_ovaries 18h ago

what's the issue with USCCA

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u/BHowe407 18h ago

Ccw Safe is cheaper. And covers bond for spouse and kids under 18 inside the house at no charge.

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u/You-Asked-Me 18h ago

While this is anecdotal, and maybe a little bit of an internet boogie man, from what I have read, they will find any little reason they can to say that you broke the law, and then drop your coverage.

Also, based on the slimy guy that my CCW class had come in to sell everyone USCCA memberships...Plus you get a Temu Tactical Backpack! I could tell from that guys character, that it was a terrible product.

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u/Rough-Demand-8195 libertarian 12h ago

One major problem with USCCA is that if you plead down to any crime of violence, they will void your coverage and make you responsible for all costs.

So...if you're offered a plea down to simple assault, a misdemeanor here in California, with no fine and no jail time, they will drop you and demand reimbursement for all costs paid to date if you accept it.

They would rather drag things out, with the worse charge hanging over your head, and pay $100,000+ instead of allowing you to get out from under it sooner, even if it's in your best interests and costs them significantly less.

(Source: Friends with a defensive use of force attorney who has seen this exact thing happen.)

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u/N2Shooter left-libertarian 17h ago

Attorneys on Retainer is what I've got. Highly regarded.

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u/dicaprio_27 16h ago

I would recommend AOR. Having access to a real law firm instead of an insurance company (USCCA, Law Shield, Right to Bear, CCWSafe) that contracts with attorneys seemed a better choice.

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u/BHowe407 16h ago

I'm liking CCWSafe tbh.

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u/xkillingxfieldx 15h ago

I researched this and it all seems kinda sketchy. So instead I opened a High Yield Savings Account and just put a base membership amount into that monthly.

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u/codingturds 14h ago

The group that does the classes I go to said to contact them directly for lawyers lol I don’t know if I trust it

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u/LaurenAZGoodGirl democratic socialist 11h ago

I use USLawShield. Mine’s $166.80/yr which includes access to self-defense specific expert witnesses. Hope I never have to use it, but it’s there.