USCCA Review [2020]- Best CCW Insurance?

USCCA is one of the most talked about Concealed Carry insurances on the market.  But is it worth it?  More importantly, are you covered adequately or is there some hidden fee or missing coverage that no one is talking about?

Well, unlike other articles out there, I am a firearms attorney and I’ll take a deep look into their policy, and in this USCCA review, I’ll let you know what you can expect and whether or not USCCA is worth it. However, I’m not YOUR attorney so this is not legal advice and only you can decide whether ccw insurance is right for your situation (and which provider to choose).

But before we begin, I want to let you know that some of the links below are affiliate links that can help us keep our ammo budget going but they will NOT affect your price nor do they affect our advice.

uscca-ccw-insurance

USCCA - CCW Insurance

United States Concealed Carry Association Insurance

In this USCCA Review we’re going to cover:

In the next couple of sections I’m going to cover the features and pricing of USCCA. However, if you’d like to just jump to whether I trust them, and whether or not they are better or worse than the other CCW insurance options out there, check out our Best CCW Insurance Comparison.

 

What is the US Concealed Carry Association (USCCA)?


The United States Concealed Carry Association (USCCA) offers legal protection for self-defense scenarios and many other resources for ccw education and firearm training to their 300,000 members. Although it isn’t really “ccw insurance,” it’s the easiest way to explain what they provide.

These resources can help protect you with your legal defense costs and they provide training and resources to help you before, during, and after a self defense scenario. (make sure you see a preview of their “what would you do?” training scenario videos in our review below).

It is up to you to determine whether legal protection coverage for CCW is right for you. Defending your defensive gun use in criminal and/or civil trials can be very expensive (spending a few hundred thousand dollars, or more, is not unheard of).

As an attorney, one of the first things I tell my clients when they’re trying to figure out how to handle a particular problem is “it’s often better to avoid a fight than it is to win a fight.” That’s because “winning” can be VERY expensive when legal costs are involved.

How Much Does USCCA Cost?


USCCA comes with 3 different membership levels–each with different costs and benefits.

uscca-membership-levels

These are just the basics. Here’s an extended breakdown of what each of these membership levels entails.

GoldPlatinumElite
Civil Suit Defense and Damages$500,000$1,000,000$2,000,000
Criminal Defense Protection (Up-Front Attorney Retainer)$100,000$200,000$250,000
Up-Front Bail Bond Funding$5000/$50,000$25,000/$250,000$50,000/$500,000
Compensation while in Civil Court$350/day$500/day$750/day
Personal Hardship Coverage$3000$4000$6000
Psychological Support$3000$4000$6000

 

What Does USCCA Cover?

Not all CCW insurance offers are the same.  As you might know, some CCW insurance programs won’t let you choose your own lawyer or they won’t give you the money up front (two of our three “must haves” in CCW insurance that we cover in our USCCA review below).

Also, with so many different options between CCW insurance providers, it might be tough to get a clear picture of what they offer.

So, to help you with USCCA, here are the coverages you can expect if you join their program:

Criminal Defense Protection: Even if you believe that your defensive gun use is justified self defense, you might still be prosecuted. Hiring a criminal defense lawyer can be expensive and the USCCA pays up to $250,000 towards your criminal defense.

Civil Defense & Liability coverage: You might have to defend yourself against lawsuits from the person you shot, their family members, or others. Because defending these lawsuits (even if you win) can be expensive, the USCCA provides up to $2,000,000 in civil defense coverage (depending on your plan).

Up Front Money: If you need financial assistance with legal fees – you need it up front. Reimbursement might sound good enough, but that means you might have to cover hundreds of thousands of dollars on your own first. The USCCA provides the money, as it is needed, up front.

Bail: Unless you want to stay in jail until your trial, you might want bail money coverage. The USCCA provides up to $50,000 for bail bond funding.

Per Diem: While you’re in court for trial, there’s a good chance you won’t be able to work. After weeks or months, this can be a serious strain on your finances. So, we always recommend CCW insurance that pays you a daily allowance while you’re in trial (called a per diem). Some CCW insurance options don’t pay anything while USCCA pays $750 per day.

Training and Resources: I mentioned above that I often tell my legal clients that it’s often better to avoid a fight than it is to win a fight – this couldn’t be more true when it comes to a gun fight! However, if it’s time to use a gun to defend yourself or a loved ones, you better know what you’re doing. The USCCA provides training and resources to help you avoid fights and if you get into one, what to do once you’re there.

What’s not included with USCCA:

No Sales in NY, NJ, WA: Just recently the local governments for these three states banned the sales of “CCW insurance” programs. This doesn’t mean that your CCW insurance won’t work if you’re visiting there, it just means you can’t buy it if you live here. However, this is a limitation for all CCW insurance services right now.

Unlimited Legal Coverage: Unlike other options, like CCW Safe, USSCA has limits to the amount of coverage available for civil and criminal legal defense. Although the USCCA has limits, they offer so many other things that they are still a viable option.

USCCA vs Other CCW Insurance:


Of all of the concealed carry insurance options available, the USCCA is the largest (over 300,000 members) and they offer the most resources. Also, the USCCA meets all 3 of our “must haves” for CCW insurance whereas some other options do not.

USCCASecond Call DefenseCCW SafeU.S. Law ShieldACLDN
Monthly Cost$22-47$10-35$16-42$11$12
Criminal Defense Max$250,000$100,000UnlimitedUnlimitedUnlimited
Civil Defense Max$2,000,000$1,250,000UnlimitedUnlimitedUnlimited
Pick Own Attorney?YesYesYesNoYes
Money Up Front?YesYesYesYesYes
Per Diem Max$750$500$250n/an/a

USCCA FEATURES

uscca-features
1 Up-Front Legal Protection

It’s vital that you get money up front (unless you have a few hundred thousand available to wait for reimbursement later).

2 Online Training Library

USCCA has tons of resources to make you smarter and less likely to need to legal coverage!

3 Choose Your Own Attorney

A large amount of money paid to a useless attorney equals your freedom at risk (and wasted money).

4 Community/Member Perks

For members, the USCCA offers training, gear, industry partners, online communities, and more.

USCCA REVIEW - OUR TAKE

USCCA has great legal coverage and so many extra resources, we think that it’s a no-brainer for ccw insurance. There are other good options available, but USCCA earned the #1 spot in our Best CCW Insurance Guide  for a reason.

For any concealed carry insurance option, we strongly recommend looking for three basic ccw insurance requirements:

  1. The ability to choose your own attorney,
  2. Money up-front, and
  3. A daily allowance to help offset time off work

USCCA has all three. We’ll cover each.

 

What we like about USCCA: Picking your own attorney is a big deal. Believe it or not, there are options for CCW insurance that require you to use the attorney they choose. We haven’t used them so we can’t possibly give an informed decision on the quality of their legal representation.

USCCA CCW Insurance ReviewedHowever, it concerns us whenever a client doesn’t have the ability to choose another attorney if they don’t like the one they have and/or the risk of appearance that the person or entity actually paying for the attorney has a different interest than the client (lowest cost instead of best coverage).

Again, we’re not saying that this is what is going on. We’re only saying that we have concerns whenever situations like that exist and ALWAYS recommend having the choice over your own attorney!  If you agree, then you might appreciate that USCCA allows this (we do).

Another thing that is important to us is getting paid up front.

Reimbursement might sound like it is just as good as money up front, however, most people don’t have the few hundred thousand dollars that might be required to cover the costs until reimbursement happens.

If you’re paying for legal coverage that will help pay for your attorney – please make sure that you actually get the money up front to be able to pay your own attorney! Mark down another reason we like the USCCA.

The third requirement that USCCA meets is a daily per diem. A per diem is a daily amount of money, an allowance, that you get paid while in trial. This is very important! Your trial might last months and you likely won’t be able to earn money during this time.

Although a per diem probably won’t replace your income, it will definitely help and USCAA offers the highest per diem rate of any option we’ve seen (some don’t even offer any per diem allowance).

Meeting all three basics requirements is nice, but USCCA really shines with all of the extras they offer.

uscca post incident instructions

USCCA generally seems interested in not just covering your legal costs after a self defense gun use, they also put a lot of time and effort into educating you on how to avoid or survive gunfights and also how to handle yourself immediately after an incident.

For example, on the back of the membership card, they’ve included simple instructions for you to remember such as CALLING 911 FIRST!, then calling USCCA, and even instructions on how to deal with police officers.

USCCA also has a library of online training and member resources that makes USCAA a step above everyone else. Heck, even their free training and resources are super useful.

For example, USCCA offers a free series of “What Would You Do?” videos wherein they discuss a particular scenario and then cover some of your best options.

Check out this video from their “What Would You Do?” series on car jacking. If you become a USCCA member, you get  the full analysis and breakdown.

 

USCCA is clearly our favorite CCW insurance because it has so much to offer.

If you’d like to see how the USCCA compares to other CCW coverage options, check out our Best CCW Insurance  article.

However, there are a couple things that we wish were better…

What we didn’t like about USCCA: Unlike some of their competitors, USCCA doesn’t offer unlimited legal coverage for criminal and civil defense. Instead, USCCA caps civil defense coverage at 2 million dollars and criminal defense at $250k.

But, of their competitors that do offer unlimited coverage amounts, some don’t let you pick your own attorney and all have either no per diem coverage or they offer a lesser amount than USCCA.

USCCA is also the highest cost of the options we know of. But, you also get a lot more than just legal coverage

Our final thoughts: Despite a limit on coverage and the higher cost, we think that USCCA is a winner and a great choice for CCW insurance. Sure, it might not be the best in one variable or another, but overall, we think that USCCA offers a TON of value for the money.

Check out USCCA

USCCA PROS AND CONS

  • Most Features
  • Great Training
  • Highest Daily Per Diem
  • Choose Your Own Lawyer
  • Highest Cost
  • Capped Coverage

REPORT CARD

Cost

Although it is at the higher end, you are getting a premium product with a ton of features.

A-
Coverage

The defense maximums have a cap, but the coverage is still very solid and we don’t think “unlimited” is necessarily better if it’s not used in the right way.

B+
Features

TONS of awesome features – way more than anyone else.

A+
VALUE

Easily the best value in CCW insurance especially if you are interested in al of the extra features and resources available to members.

A+
uscca-final-grade-A

FINAL GRADE : A

Rate

Average rating 5 / 5. Vote count: 3

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