you are right on the point of how to talk to the leo i was on the porch still when about 6 of them showed up,at which one took over finding what happened,but as he was asking what happened to the weapon,I raised my hands to the back of my head as i told him it was on my left side in a should holster and that i was going to open the snaps with my left hand and waited for him to say ok,at which time i said there is one in the pipe,and as i held my shirt open with my left hand so he could reach and remove my weapon,he was a little surprised and said that it was a 45,then the person i was visting came up since i calld them as soon as the guy turned and left.and when the person,i asked the LEO that i was going to reach with my left hand for my wallet to get the USCCA card out and handed the card to the person as asked for then to call the number on it,so i had an atty the next day and the LEO treated me very good and put me in a cell with the trustees and even the bailiff treated me with respect and put a chair so I could sit in front of the judge,but the Da had charged me with Brandishing,the judge asked me if I was brandishing,and I said no your honor ,i was deadly serious,and everyone in the court laughed and the judge let me go with no bail,so it does pay off when you ask when you want to do some thing and wait for him to say ok
That is why if I have a friend that I trust I get a copy of my USCCA card and hand it to them so they already have the card information if something happened to mine or I couldn’t gas access to my wallet.
Do you want a definitive answer as to why the USCCA is a good, better, if not the best answer for your self defense liability provider?
You are advertising for a direct competitor on a USCCA Customer Forum and they have not banned you.
I am a USCCA member but what if plans were stacked. I don’t know if that’s a benefit to spend the extra money/month on an additional plan.
I have no idea on. Though if it does, I will probably find out. As I do have 2. One I pay for, one that the Pro 2A group I am involved with has.
The answer to that is “it depends”
There are different ways this aspect works within different options out there on the market.
In the case of an insurance company being involved from both memberships/companies, like how members of the USCCA are additional insureds on the self defense liability insurance policy the USCCA purchased, it depends primarily on the wording of each policy. Look fro the “primary insurance” term.
It will often be split or split to a certain point but it depends.
Here are some excerpts from the policy USCCA members are additional insureds on (policy from universal fire and casualty insurance company)
D. Other Insurance
If other valid and collectible insurance is available to the “insured” for a loss we cover under this
policy, our obligations are limited as follows:
-
Primary Insurance
This insurance is primary except when paragraph 2. below applies. If this insurance is
primary, our obligations are not affected unless any of the other insurance is also primary.
Then, we will share with all that other insurance by the method described in paragraph 2.c.
below. -
Excess Insurance
a. This insurance is excess over any other valid and collectible insurance purchased by the
“insured”, whether primary, excess, contingent or on any other basis, that applies to an
“occurrence” or “covered legal liability” to which this insurance also applies;
b. When this insurance is excess, we will have no duty under this Coverage to defend the
“insured” against any “claim” or suit if any other insurer has a duty to defend the “insured”
against that “claim” or suit. If no other insurer defends, we will undertake to do so, but we
will be entitled to the “insured’s” rights against all those other insurers.
c. When this insurance is excess over other insurance, we will pay only our share of the
amount of the loss, if any, that exceeds the sum of: -
The total amount that all such other insurance would pay for the loss in the absence of
this insurance; and -
The total of all deductible and self-insured amounts under all other insurance.
d. We will share the remaining loss, if any, with any other insurance that is not described in
this Excess Insurance provision and was not bought specifically to apply in excess of the
Limits of Insurance shown in the Declarations of this policy. -
Method Of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method
also. Under this approach each insurer contributes equal amounts until it has paid its
applicable limit of insurance or none of the loss remains, whichever comes first.
If any of the other insurance does not permit contribution by equal shares, we will contribute
by limits. Under this method, each insurer’s share is based on the ratio of its applicable limit
of insurance to the total applicable limits of insurance of all insurers.
Thanks for the link. Going to go and make sure I’m not an additional insured with the other policy. I prefer the simplicity of being on 1 policy.
I will see if I can find another option within the groups I am apart of.
thanks for the info.
Reminder: all of these various post-Self-Defense-incident support programs are generally referred to as “self defense insurance.” However, only some of them, such as USCCA, are actually run as insurance policies. In at least one case, a state insurance commissioner is insisting that one of them, which adamantly declares otherwise, is an insurance company in order to have control over them in that state. They are still battling that in court.
Given what it means to put an attorney on retainer, I am pretty sure that LoR is not insurance.
Thank you AZMercury92. I had wondered if I ever had to use the USCCA insurance, if I reached a max cap benefit, would my having a second insurance pick up those costs. Guess I’d need to ask the prospective insurers in advance.
For a covered act of self defense, there is no limit defense expenses both civil and criminal court, BTW, as a USCCA member
There is a $2,000,000 limit on civil cases.
Unlimited in criminal cases for USCCA
The $2 million is an annual liability limit applicable to compensatory damages.
Civil defense expenses are no limit for a covered act of self defense.
For a covered act of self defense there is no limit defense expenses both criminal and civil
Okay nice to know
Lawyers on retainer? If you have one of these thats out of the individuals pocket right? Our Ins doesnt kick in unless theres actually a self defense shooting. Correct? 
From my understanding that’s what I am under the impression. In the case of a self defense situation that’s when insurance kicks on. thats why my question is stacking another plan worth having a lawyer on hand on top of the ins.
Cool deal. Just was making sure that I didn’t miss something somewhere
Not exactly sure what you are asking, but I’ll take a stab at useful information in response: As a USCCA member, when it comes to a covered act of self defense under the self defense liability insurance policy on which members are additional insureds, you the member can select a criminal defense attorney and it does not have to be one from the USCCA attorney network.
Thanks man! Having one on retainer costs. Can select one at time of need