"Charged with a Crime" and "Convicted of a Crime"

USCCA Member They Refused to Cover Has Been Convicted at Trial

The Truth on KAYLA GILES .

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Oh yeah, some lawyers call that getting hometowned.

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I absolutely agree. I have watched a couple of “high power” out of towners get “localized” especially in smaller jurisdictions. Some famous Chinese guy said something about knowing your enemy. The local guy knows who is tough in the DA’s office and who is reasonable. He knows which cops are corrupt and which are honest. The out of towner hasn’t a clue and “sitting in” doesn’t lead to active participation.

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So what’s up with all the Anti-USCCA stuff popping up here lately? I’ve read the T&C’s I’m good with the exclusions. This is starting to look to me like an organized marketing campaign against one of the bigger outfits in this business.


The USCCA is and been under attack, it has been
subtle and destructive to eliminate competition. On
our Liability Insurance, you may and can loose your
Insurance if you commit a crime and you are convicted of that crime, USCCA will not support or pay for legal
fees. You loose your coverage and USCCA will not support anyone, no company will.

Kayla Giles joined USCCA and committed murder
and she requested for legal assistance and when her
investigation found out the details on her case of
killing her husband, USCCA stopped paying payments.
Mrs. Kayla Giles was convicted of 2nd Degree
Murder, later in court.

There is a lawyer that has abused and taken our written
Liability Insurance Contract and misreads it
abusing it by making his own translation to destroy

I love USCCA for the education and resources.
Delta Defense has been a miracle to support all of
it’s members. I have been helped in every area of training and has been patient with my learning. Everyone!!!

USCCA is being verbally attacked and people have stopped being members. USCCA has helped many
People to contact the Proper Lawyers when someone
has been in a shooting.


I’m cool with the USCCA. But I have questions about how far the insurance agency will go to defend me. Even if I decide to go with another agency for defense in court, I will stay a member.

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Any specific questions?


The most effective defense attorneys are people who worked as prosecutors. They know everyone in the DA’s office, know how it works and have a personal relationship with folks like the secretary who manages the calendar of a prosecutor who may be handling the criminal case in which you may be the defendant. A pro hac vice lawyer has none of those personal political contacts.


Only the ones I’ve been asking.
Will they defend me even if they think Im guilty but I say I’m innocent?
Will they they come after my home if I’m found guilty making my family homeless? (I own my home outright, no mortgage) guilty ppl aren’t covered!
Will they do like medical insurance as in if the payments stops the coverage for treatment stops and the trial goes past the no longer covered date, will they still be there?
How vigorously will they defend me starting and especially if for some stupid reason the monthly payment stops? Will they decide at some point I’m too big of a sunk cost and cut and run?

I’ve lived long enough to know that the insurer will make a business decision and ask “are we losing money in this guy?”. They will put a show on of doing their job but only doing the absolute minimum and I’m ducked.

PS just like home insurers say; that was flood damage and you aren’t covered even though it was the storm that brought the flood damaging your house.

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You do not want to repeat.

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A defense attorney who elects to defend you will defend even if you are guilty if you choose to plead not guilty and go to trial. He is ethically bound to not introduce false evidence that he knows is false. He will not knowingly assist you in committing perjury from the witness stand. That’s why he will not ask you if you are guilty. You should not tell him you are guilty. It is a delicate line that he must dance on. My relative in the public defenders office represented clients whom he felt were, indeed, guilty of the crimes alleged. And oftentimes, the DA will overcharge. In a case early in my career the DA charged first degree murder. As the evidence unfolded, it was clear the death was not first degree murder or even second degree murder but at most involuntary manslaughter. There was no doubt the man on trial killed his wife. The real question was his state of mind at the time he killed her. Killing someone doesn’t automatically make it first degree murder. The most important point is the state of mind. Was it a preplanned murder with intent to kill is the most important element of first degree murder. For example, the case cited on this site where the woman accused had researched on line about the crime she was about to commit. That shows the premeditation necessary to establish first degree murder if proved to the jury’s satisfaction.

If you default in your payments to the attorney as agreed upon he can ask the judge to relieve him of the burden of representation. That is as it should be. If you are unable to make the payments, the case will be assigned to the public defenders office. Don’t scorn the public defender. They are a much maligned group but their dedication to their task is remarkable. Are they miracle workers? Of course not. My relative successfully got a sentence of 16 to life when the DA wanted and the sentencing report recommended 30 to life. The defendant upon sentencing insulted my relative and said he should have gotten him acquitted. Acquittal would have been a miracle. Only a Supreme Being could have gotten an acquittal. Obviously my relative’s client didn’t pray hard enough. Too many folks’ perception of how the court system works is based on Allie McBeal or LA Law and not real life. As we know from the entertainment business’s portal of firearms, likewise their portrayal of the court system is fantasy. My relative asks his new client, “Did you make a statement to the police?” The client says “Absolutely not.” A motion for discovery reveals that there is a 50 page transcript of the client’s absolute and total confession to the police interrogator. When questioned about his understanding of making a statement, he exclaims “But I din’t sign nuffin.” “Yeah but you blabbed to the cop for over an hour,” The difference between reality and perception is oftentimes a chasm like the Grand Canyon. If you are going to have difficulty paying for your defense, let the attorney know ahead of time. He oftentimes will make arrangements to pay in increments but you need to be frank with him at the outset. Of course if you willfully fail to make the payments in a timely fashion, he will seek to collect by any means legally available to him. I was prepared to do pro bono work if requested but I reserved the right to reject a pro bono job. And I always wanted to know ahead of time that it was pro bono. I didn’t want to find out 120 days after producing the transcript and the bill that it was going to be a pro bono job. Some reporters actually financed the attorney’s litigation by not insisting on timely payment but being willing to wait until the conclusion of the case for their fees. I felt doing that made me a party to the litigation which impugned my supposed impartiality. I wanted to avoid the appearance of partiality in my work and insisted upon payment upon presentation of the invoice. In the case of certain attorneys, they didn’t get the work product until receipt of payment. That is called Cash On Delivery. You raise very valid questions and if you ever need the services of an attorney, you should discuss them detail with the attorney and have a clear, written, signed understanding of the terms of representation and terms payment. Most people don’t read their insurance policies and don’t ask questions of the insurance agent. I called my insurance agent and asked if I had worker’s comp coverage on my homeowner’s policy. She assured me that I did. I said I didn’t see that coverage listed in the policy I received She said that it generally wasn’t included unless the client requested it. I did. When I read it I found out that I did have worker’s comp coverage AFTER I PAID THE EMPLOYEE AT LEAST $600 in wages. Why $600? Because that is the minimum after which one must get an employer’s ID number from the IRS and start paying SSI, Medicare, unemployment insurance and forwarding all those payments to the interested governmental agencies. So if you hire Jose from in front of Home Depot and after an hour on the job he come to you and tells you he hurt his back, you are totally screwed. I won’t detail the nightmarish scenario that unfolds in CA for a worker’s comp uninsured homeowner but that unlucky person is in a financial hell. So if you are contemplating hiring Jose to help with an odd job or two, be sure to check the labor laws for casual labor in your state and make sure you have worker’s comp coverage. Yes, he is an employee even though you didn’t ask him for ID or legality of residence or a social security number or any of the other usual documentation needed at time of employment. In CA he is classified as casual labor and is an employee and you had better have some kind of worker’s comp covering him if you agreed to pay him money and no, a 1099 will not wipe away that relationship. During my career, I worked for the CA worker’s comp board and it was an eye opening experience. A little off topic but I thought as long as we were discussing legal realities, I would toss that in for enlightenment. The reason I keep stressing CA is because each state has different regulations and what applies in CA might not apply in other states or they might follow CA law in their own state, saving the effort of having to draft legislation ab ignitio.


Some of those questions have already been answered. Others are hypothetical and it depends on all the known variables in what you did which, as with most hypotheticals, cannot be answered definitively

There is a definitive answer there that no they are not going to cut and run as a sunk cost purely because it cost money. As the policy states, “all expenses” and “final non appealable”

(The full language is of course more than that but searching the policy for those words will get the full context I can’t quote them direct right now)


If the insurance coverage provided by USCCA is junk, the worst is that you’re out, say, a $350 for an annual premium and you’ll have to figure out how to defend yourself and assets in the aftermath of a shooting event. If the coverage provided by USCCA is what you hope it is, then that lessens the burden of defending yourself in a post shooting aftermath, and the $350 is worth the gamble. Or, you can buy a different policy from a different company. Or, you can go without a policy. Or, you can stop carrying.


All this mess is hard on everyone, but it is a way to take out all the garbage and fraud. Refinement of gold by removing the impurities.

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Thank you for your reply