CCW CCW Insurance

[bluenoise]

I used to have CCW Safe, but switched to USCCA after a compelling presentation at my last CCW renewal class. This thread will make me investigate AOR and do more research into what's best for me.

 

[SomeOne]

I used to have CCW Safe, but switched to USCCA after a compelling presentation at my last CCW renewal class. This thread will make me investigate AOR and do more research into what's best for me.

It's a very interesting turnaround. Do you mind sharing the reasons that made you switch? I know USCCA sales reps are very persuasive, but what was the straw that broke the camel's back?

 

[bluenoise]

It's a very interesting turnaround. Do you mind sharing the reasons that made you switch? I know USCCA sales reps are very persuasive, but what was the straw that broke the camel's back?

I can't recall the specifics, but part of it was a comparison chart showing more perks with USCCA and then there was also all of the training videos and the magazine. I think there was a discount for the first year, too.

I have a renewal class again next week, so I'm sure the USCCA rep will be there again to sell the service. I will do some homework so I have some good questions for him, if that's the case.

 

[DrJonesUSA]

I just signed up for Right To Bear at my CCW Renewal class.
I liked what I heard & IMO, it was pretty reasonable; coverage for my whole family for only $400.00 per year.
I have little kids, but if they're involved in a self-defense / bullying situation & they get suspended or otherwise in trouble, they're covered. I thought that was pretty cool!
I need to call them to really learn more of the details, but I've been thinking about it forever & this year, I've been focusing very hard on cutting out the "thinking about it" and taking more action.

Anyone have any feedback on Right To Bear self defense coverage?

We discussed the USCCA debacle (I hadn't heard at all, actually) and the rep told us RTB is very completely different - in a great way.

Curious what y'all say.

 

[Chukarman78]

I have ccw safe. Was going to switch to AOR but ccw sent out a letter saying basically they had my back in the event I was in a “sensitive area” when SB2 passed. Either one is good.

A lot of folks left USCCA. Not sure about any of the other groups

 

[Call_me_Tom]

I assume USCCA will let the lawyer of your choice to represent you and still cover the civil penalty? Even if the lawyer doesn't have the California bar passed?

I don’t know the answer to that specific question, I just know that AOR has stated they’ll only represent you in a criminal matter and you’re on your own for civil representation. That’s why I suggested carrying both.

 

[cali_jazz]

I watched some videos on OAR… seems to cost a tad bit more than ccwsafe but they make some compelling cases as to why they are better . It’s down to those 2 but still undecided

AOR (Attorney's On Retainer)

 

[cali_jazz]

I don’t know the answer to that specific question, I just know that AOR has stated they’ll only represent you in a criminal matter and you’re on your own for civil representation. That’s why I suggested carrying both.

Incorrect, they will defend you fully in a Civil case, but to the degree your found liable you are responsible to pay any judgements. Typically $10k or less. A possible option to cover absolutely all bases is to have some insurance as well although I trust these insurance companies to pay as far as I can throw them.

 

[Mongoose913]

Switched to CCW Safe from USCCA. I Feel like CCW Safe has better coverage.

 

[DrJonesUSA]

Switched to CCW Safe from USCCA. I Feel like CCW Safe has better coverage.

Well after what USCCA did to Kayla Giles, it sounds like you definitely made the right move!!!!

 

[DrJonesUSA]

So.....anyone have any feedback at all on Right To Bear insurance?

Legal Defense Protection | Right To Bear

Self-Defense protection by Right To Bear. Legal protection against criminal & liability claims resulting from acting in self-defense.

protectwithbear.com

 

[Enthused]

CCW Safe is a fantastic price with the Military/Veteran discount.

I barely ever carry simply because I can't for my job, and I don't get out much. So I'm pretty comfortable paying the $179/yr for the CCW Safe Protector Plan.

 

[SomeOne]

I just signed up for Right To Bear at my CCW Renewal class.
I liked what I heard & IMO, it was pretty reasonable; coverage for my whole family for only $400.00 per year.
I have little kids, but if they're involved in a self-defense / bullying situation & they get suspended or otherwise in trouble, they're covered. I thought that was pretty cool!
I need to call them to really learn more of the details, but I've been thinking about it forever & this year, I've been focusing very hard on cutting out the "thinking about it" and taking more action.

Anyone have any feedback on Right To Bear self defense coverage?

We discussed the USCCA debacle (I hadn't heard at all, actually) and the rep told us RTB is very completely different - in a great way.

Curious what y'all say.

RTB doesn't provide civil liability coverage, similar to AOR. In other words, if you lose your civil case, you will likely get bankrupt.

 

[cali_jazz]

RTB doesn't provide civil liability coverage, similar to AOR. In other words, if you lose your civil case, you will likely get bankrupt.

once again AOR DOES defend you in a Civil case, they do not pay the damages if you lose your case. AOR is the only type if defense that will represent you even if you are charged. They are not an insurance company but rather a law firm you have on retainer. If you are concerned about civil damages, consider having both AOR and one of these insurance backed companies, just read the fine print. They list a host of exclusions and will not cover you if your are charged with any crime, even if it was justifiable self-defense. Do your homework.

 

[SomeOne]

once again AOR DOES defend you in a Civil case, they do not pay the damages if you lose your case. AOR is the only type if defense that will represent you even if you are charged. They are not an insurance company but rather a law firm you have on retainer. If you are concerned about civil damages, consider having both AOR and one of these insurance backed companies, just read the fine print. They list a host of exclusions and will not cover you if your are charged with any crime, even if it was justifiable self-defense. Do your homework.

I have never said AOR won't defend you in the civil case. But if the case settled, you will have to pay, unlike CCW and USCCA. This fact is impossible to dispute. The cost of the civil liability may well exceed the cost of the legal defense.
Now, having AOR + USCCA or CCWSafe is a theory, nobody yet tested. Will USCCA or CCWSafe pay, if you are represented by your lawyer, who they didn't vet out, and who doesn't have CA license? If I recall correctly, USCCA lets you bring your own lawyer, while CCWSafe reserves the right to vet out your lawyer and potentially refuse.

 

[Papa "J"]

once again AOR DOES defend you in a Civil case, they do not pay the damages if you lose your case. AOR is the only type if defense that will represent you even if you are charged. They are not an insurance company but rather a law firm you have on retainer. If you are concerned about civil damages, consider having both AOR and one of these insurance backed companies, just read the fine print. They list a host of exclusions and will not cover you if your are charged with any crime, even if it was justifiable self-defense. Do your homework.

I was just speaking with friends last night one which is a civil litigation attorney. Though this is not legal advise, not her espertise and she does highly recommend talking with other attorney's such as estate planing, ect. The consensus was how do you protect your assets in a civil case. most likely putting your real estate in a trust, maybe even creating an llc having the llc own the assets, and having some sort of personal umbrella policy.

The premise is if nothing is in your name and you have an umbrella policy {say 1million) if you get sued your attorney is hopefully going to let there side know you own nothing, but you have a million dollar policy and it would be in their best interest to take the mill from the insurance to settle.

The whole civil liability part to me seem like just trying to protect myself from ambulance chasers.

I think that the insurance back companies offer a lot but I have concerns when it come to if they are going to cover me if I am charged with a crime. In CA even in a good shoot just about everyone is going to be "charged" and then they let the DA sort it out to move foward or not. Kind of gives this insurance back companies a loophole to possibly not cover you on the civil side. I don't know how offten that actually happens becasue if they did that with every case they would lose credibility and no one would buy the policy.

But I do think everyone need to really analyze their own financial situation and talk with attorneya and accountants on how to best protect yourself for you and your family.

 

[SomeOne]

I was just speaking with friends last night one which is a civil litigation attorney. Though this is not legal advise, not her espertise and she does highly recommend talking with other attorney's such as estate planing, ect. The consensus was how do you protect your assets in a civil case. most likely putting your real estate in a trust, maybe even creating an llc having the llc own the assets, and having some sort of personal umbrella policy.

The premise is if nothing is in your name and you have an umbrella policy {say 1million) if you get sued your attorney is hopefully going to let there side know you own nothing, but you have a million dollar policy and it would be in their best interest to take the mill from the insurance to settle.

The whole civil liability part to me seem like just trying to protect myself from ambulance chasers.

I think that the insurance back companies offer a lot but I have concerns when it come to if they are going to cover me if I am charged with a crime. In CA even in a good shoot just about everyone is going to be "charged" and then they let the DA sort it out to move foward or not. Kind of gives this insurance back companies a loophole to possibly not cover you on the civil side. I don't know how offten that actually happens becasue if they did that with every case they would lose credibility and no one would buy the policy.

But I do think everyone need to really analyze their own financial situation and talk with attorneya and accountants on how to best protect yourself for you and your family.

The umbrella policy will cover the accidents, prob netlabel discharge on premises. However, no insurance will cover a willful act of self-defense (if I am wrong, please send me the insurance company name that clearly states it on the policy. I would love to switch to them immediately). Of course you can do a non-revocable trust, which is a pain when you need to manage your assests. LLC is interesting, but remember the $800/annual fee in California.

https://www.ftb.ca.gov/file/business/types/limited-liability-company/index.html

Also, don't forget the paycheck garnish threat. Before your paycheck hits your bank account, it's in your name, thus vulnerable.