CCW CCW insurance/attorney

[weaverftw]

AOR and CCW Safe (bought out Armed Citizens Legal Defense Network). AOR covers many things that others do not.

I also have seen a lot of people “switch” from USCCA to AOR not understanding that they’re paying for something totally different.

I am turned off by the online marketing AOR does against USCCA and the amount of fudd that has been spread by them; most people who spout the “USCCA is awful everyone knows that they deny everything” and other simplified BS remarks have no idea what they’re talking about and are just repeated some Reddit post they saw.

I actually looked into the 2 main cases that are referenced when discussing the apparent denials by USCCA (it’s the insurance company denying it, not USCCA, which no one seems to understand, and in one case there’s actually no proof they dos so just speculation because the dude got a public defender). Both cases seem extremely questionable and I would never find myself in those situations. One involved a woman who, based on what was presented at trial, to me looks really suspicious and indicates she premeditated her husband’s murder, and the second guy shot an annoying influencer for no conceivable reason when his life was threatened in no way whatsoever. As a juror I would probably be convicting both of them of some kind of charges (I’ve only done some reading on the cases so haven’t seen EVERYTHING but what I’ve seen isn’t favorable). In any event, USCCA changed the policy so now that guy’s case would be covered now (if it was even denied) since now coverage is afforded as long as the judge allows a argument of self defense.

Also on the recoupment piece, the contract says they reserve the right to pursue the member for fees if they are found guilty ONLY if REQUIRED to do so by the government based on applicable law. They have never done so.

A lot of bull out there. I’m not saying USCCA is the best, but most information out there since AOR came on the scene is false.

 

[rrb09]

For anyone interested in AOR here's a promo code $15 off when you sign up.

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[tomrkba]

I also have seen a lot of people “switch” from USCCA to AOR not understanding that they’re paying for something totally different.

I am turned off by the online marketing AOR does against USCCA and the amount of fudd that has been spread by them; most people who spout the “USCCA is awful everyone knows that they deny everything” and other simplified BS remarks have no idea what they’re talking about and are just repeated some Reddit post they saw.

I actually looked into the 2 main cases that are referenced when discussing the apparent denials by USCCA (it’s the insurance company denying it, not USCCA, which no one seems to understand, and in one case there’s actually no proof they dos so just speculation because the dude got a public defender). Both cases seem extremely questionable and I would never find myself in those situations. One involved a woman who, based on what was presented at trial, to me looks really suspicious and indicates she premeditated her husband’s murder, and the second guy shot an annoying influencer for no conceivable reason when his life was threatened in no way whatsoever. As a juror I would probably be convicting both of them of some kind of charges (I’ve only done some reading on the cases so haven’t seen EVERYTHING but what I’ve seen isn’t favorable). In any event, USCCA changed the policy so now that guy’s case would be covered now (if it was even denied) since now coverage is afforded as long as the judge allows a argument of self defense.

Also on the recoupment piece, the contract says they reserve the right to pursue the member for fees if they are found guilty ONLY if REQUIRED to do so by the government based on applicable law. They have never done so.

A lot of bull out there. I’m not saying USCCA is the best, but most information out there since AOR came on the scene is false.

This is why I use multiple services. I do not have any attachment to any one service; I just want to make sure I am covered for as many situations as possible.

 

[weaverftw]

This is why I use multiple services. I do not have any attachment to any one service; I just want to make sure I am covered for as many situations as possible.

Yeah I think that’s smart and I may get a legal plan in addition to the insurance I have already

 

[jayson_b24]

Interested, @raellic Would love to discuss this further.

 

[raellic]

Sounds good, andrew@watters.law is my email.

 

[jayson_b24]

Sounds good, andrew@watters.law is my email.

Email sent.

 

[jvpark]

I don’t think people understand you are comparing Apples to Oranges.

Legal representation vs insurance.

AOR is retaining an attorney related to carrying a firearm and USCCA is self defense INSURANCE.

AOR gets you any attorney for assisting in a firearm event. There is less emphasis on where and why and more on the self defense situation.
So if you had a self defense in a prohibited place, you will likely be covered.

USCCA gets you an attorney AND insurance to cover civil judgements.

Both will give you an attorney and bail you out of jail but if there is a civil judgements against you, USCCA will cover the cost (up to a combined $2,000,000 for legal and judgements)

AOR has broader coverage conditions, for example. If you were drinking and used a firearm… I believe you will be covered where as USCCA could deny coverage.

Both would cover regardless if you were in a prohibited SB2 place, because they look only at Federal Prohibited places.
I think they will both offer protection in Red Flag cases.

USCCa will cover you against any a Self Defense instance, regardless if you used a gun, knife, shovel or baseball bat. In the event happens in your home, family members domicile in the home would also be covered, if they used self defense. Outside the home, you are only covered.

USCCA will allow you to pick an attorney, as long as the attorney agrees to USCCAs coverage rate and are qualified, so your sisters tax attorney in-law would likely be denied coverage.

Both pay attorney cost up front.

I am of the humble belief that if you are involved in a self defense event, you will be sued civilly, regardless if you won your self defense case or were absolved of any wrongdoing. You can thank scumbag ambulance chasers for that probability.

So for essentially the same cost, I prefer the attorney coverage with the insurance benefits.

This was based on my research into both as of early 2/2026.

For those who picked AOR, please call them and ask how much coverage they would provide against a civil judgement ($100,000?)

I am not an attorney and base my finding on my own research, I suggest you all do the same and pick what is right for you. I personally was turned off to AOR, when certain YouTube gun people all turned against USCCA within days, almost as if it was planned by AOR… for that reason, it did not feel genuine and more a coordinated smear campaign.

I simply would recommend any CCW INSURANCE companies, I choose USCCA for the higher coverage limits based on what I was willing to pay.