I'm shopping for CC insurance. I've read a lot of reviews, most are the typical blanket type reviews, 'you should buy this one, because I did.', very little substance, to 'you should buy this one because it's better than nothing.'
And while I generally agree with this latter angle, I'm still looking for something more substantive.
Therefore, I'm curious who's using who and why. Thanks in advance!
I use Texas/US Lawshield. One of the main reasons I initially went with them was they had the ability to add a minor to the policy that would cover them if they had to defend themselves or you. My daughter is no longer a minor so I will likely shop around and see what the latest options are.
One of the big differences between the policies when I last shopped was the civil liability coverage. Some offered legal services for civil matters and others did not. Some had the ability to add coverage for civil penalties as well.
My current policy has coverage for the civil legal part but not any monetary judgement against me. Criminal legal proceedings are covered in full.
I use USSCA. It was recommended by a local gun trainer we take classes with in Missouri. I have been happy with them. $25/mo and that provides a $50K retainer in case of incident.
I use US and Texas Law Shield. I can't remember all of the reasons I went with them, but you can certainly look them up and compare. I would never go with USCCA, they are a waste of money and have left too many people hung out to dry. I have been considering adding Attorneys on Retainer, but haven't decided yet.
I would be interested in hearing how USCCA has left people hung out to dry
There are plenty of accounts of that happening on YouTube. I believe Jared at Guns n Gadgets was one who covered a few stories. Go ahead and check it out. Liberty Doll may have done a couple stories too.
Thanks for pointing me in the right direction.
Just keep in mind that most of those YouTube channels were also pushing another company. To me, it looked very much like paid advertisement that included bashing their competitors. That doesn't excuse USCCA, but I would not jump on those channels' recommendations without further research.
I'm about to sign up for Attorneys on Retainer. It's pricier than USCCA, but instead of being an insurance company that can drop your coverage, it's an actual legal service. They will help even if you're the one in the wrong or take a plea. I'm not planning on being an aggressor, but it's nice to know that I will have coverage no matter what.