I’m hoping that my post will not be viewed as uncouth bringing up this particular subject, however, I’ve been a member for about seven years now and this observation I have has just been relentlessly gnawing at me and I have to get it out. I just can not relax until someone, ANYONE discusses this matter with me.
The reason I precursor(ed) my post regarding the topic being uncool is because it has to do with a competitor and I’m not sure this is the place to bring it up, or if in fact it may just be the very place TO bring it up. But I’ll find out soon enough.
Either I’ll get positive and/or negative responses, or it just may entirely be pulled because of its competitive sensitivities. Again, I’ll see.
I’m a Platinum member, which will have some, after further reading my concern(s), questioning my comparison of apples and oranges, but I first ask to be heard because in order to keep all things equal, I would be more than happy to upgrade to the Elite level had I some additional information at hand, which is why I’m posting the issue here and now. I need some thoughts and views from others outside me because I am too close to myself to do so on my own.
So with all that stated, here is my issue or quandary. Whatever the word or words would be, it is bothering me and it won’t stop until I get some answers, or at the very least, some sensible responses.
USCCA’s top Elite policy very closely matches that of the higher top level CCW Safe policy or combinations thereof and both are virtually the same prices tit for tat per line by line item and the annual cost for both are the same save for the difference in a cup of coffee.
Like I said, they both very closely match each other. They do, but then again in major other ways they don’t and I consider those differences very significant.
Aside from a majority of benefits, there is some give and take between the two, even though to me, CCW Safe has a tad more edge, but where the real meat of the matter lay is that while USCCA has a very large coverage amount, CCW Safe has absolutely no limits in either criminal or civil defense spending. Read that again. Unlimited funding, albeit I believe CCW Safe attorneys decide whether or not they will accept a case, which in and of itself is a big turn-off as well.
But on the other hand, that is like being asked if you had to drive across the Mohave desert in either a car with limited fuel or one with unlimited fuel, which vehicle would you choose?
CCW Safe also provides $100K vs $50K in bail bond services and $1M for civil damages that is NOT shared with or comes out of the civil defense limit as it does with USCCA coverage.
Even their firearm loss theft protection is a full fledged actual replacement program and not shared with the personal hardship coverage as USCCA has it set up as and additionally on top of all that, they include work loss compensation, psychological counseling and crime-scene cleanup coverage’s, something USCCA used to include but no longer does.
I COULD be wrong about the work loss and counseling. I am NOT sure of those two.
But the other thing that bothers me is that New York put the NRA Carry Guard out of business because it was an insurance operation, however, CCW Safe is listed not as an insurance provider but rather a legal services membership plan. There is a HUGE difference in wording and wording is what the laws and courts go by.
It worries me that USCCA could be in the same boat as Carry Guard, which may or may not be the reason CCW Safe is good in ALL 50 states while USCCA is not allowed or available in NY and WA. AGAIN, I COULD be wrong about those two states and it could have changed unbeknownst to my current knowledge. So I am CLAIMING here and now that I MAY have SOME things incorrect here.
In conclusion, the reason I post this is that my absolute biggest issue here is the unlimited coverage’s offered by CCW Safe. That is a huge difference.
So if this post is allowed, anyone have any thoughts, ideas, input, corrections or otherwise on this matter, 'cause I sure as heck need to discuss it?