But, it’s not. 
Being charged with a crime doesn’t make you a criminal, being convicted does. Being charged with a crime is not itself an exclusion
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He said that the word criminal was a broad statement and he questioned what the definition of criminal was. Is a person that steals something from a store who didn’t get caught a criminal? Yup!!! He didn’t state that a person who was charged was a criminal. He questioned it.
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In what way is his, or anyone elses, personal definition of the word criminal, relevant to this, at all?
From the UFCIC policy on which members of USCCA are additional insureds, this definition is useful
"“Conviction” means the final non-appealable entry by a court of an adjudication, judgment, order or
ruling finding a party guilty of a crime. However, this does not include the “insured’s” “conviction”
for a violation of a concealed carry or similar law. "
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I did not state that. I stated, if you can avoid the conflict. When it finds you, that is total different. Criminals entering your home while you and your family are home is a totally different scenario than what I was describing. Should you have your wife and children sitting in the room that the criminals enter or have them go to safety? Should you stand up and start shooting or find cover and defend?
As to the man with a firearm in his yard, he was not defending himself, so it was not a self-defense situtation. Should he have been prosecuted for that crime? From what I recall, he was not on his property at that time. However, now that we are discussing firearm laws, I don’t agree with any that infringe on our RKBA. So, I do not agree with GFZs - that is an infringement. So, on that basis, whether or not he was found guilty, there should not be a law such as that - to me that is the crime, as it infringes on our rights.
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That doesn’t define the word criminal yet they use the word criminal in the agreement. Is a bank robber who never got caught or convicted not a criminal. Obviously that’s an extreme example but it demonstrates the broadness of the term that the video describes.
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Where in their policy does it state if you are a criminal? Or does it state conviction of a crime? I have not read their policy in many years as I am no longer a member, but I do not recall the former.
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Watch the video
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Does the video have a link to the USCCA coverage? I did watch it a few days ago. I don’t recall seeing a link.
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He reads it and highlights it
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So it doesn’t say a criminal, but a criminal act. If you are prosecuted and found not guilty of the charge, you legally did not commit a criminal act. If you claim that the commission of legal self-defense is a criminal act, you are completely misconstruing the law that provides for self-defense, which is not considered a criminal act. If you believe otherwise, than anyone that defends him/herself is a criminal.
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He questioned what a criminal act was and who decides whether or not a criminal act was committed? He was describing that it was a broad statement.
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The judge or if a jury trial, the jury. I don’t recall anyone legally convicted of a criminal act, being found guilty by an insurance company and not a judge or jury. I believe they would be facing criminal and civil charges, and likely be fined a huge sum by the state board that oversees insurance companies.
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They reserve the right to not represent someone who committed a criminal act. Who decides if it was a criminal act or not? No judge or jury other then someone(s) at the uscca before the trail even begins that’s for sure. Then, IF they decide you’re representable, if you’re convicted they reserve the right to get the money back that they decided was worth spending. They have every right to establish ALL of these guidelines and it protects the company from legitimate threats but also leaves a ton of room for questionable decisions. I’m not saying they’ve ever even used these options in a questionable way I’m just saying they’re there to be used. I’m not sure how many cases they take a year and maybe they do focus more on training but what the guy in the video says is all true.
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As an insurance company they legally cannot cover criminal acts - any insurance company cannot. I believe that if you were in your home and criminals invaded it, the USCCA would not be looking at your self-defense as a criminal act. If you were robbing a convenience store, and you shot someone, I could see where a decision not to cover you would be reasonable.
However, we are now dealing with hypotheticals and not reality. Not my dog, not my fight. You need to discuss this with the USCCA. I am not a rep of the USCCA nor a member.
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Oh I’m just responding to the thread. Criminal act is still a broad term and he covers the fact that insurance companies aren’t allowed to rep a criminal act. It’s one of his main points. That the other company he talks about is a law firm and makes you a client for a yearly “retainer” of sorts not a member with a yearly membership. So they are not bound by some of the rules an insurance company is bound by.
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Where in the policy is the word criminal used in the context of referring to a person as a criminal?
Criminal acts are referenced, not “criminals” as in a type of person
"“Conviction” means the final non-appealable entry by a court of an adjudication, judgment, order or
ruling finding a party guilty of a crime. However, this does not include the “insured’s” “conviction”
for a violation of a concealed carry or similar law. "
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"“Conviction” means the final non-appealable entry by a court of an adjudication, judgment, order or
ruling finding a party guilty of a crime. However, this does not include the “insured’s” “conviction”
for a violation of a concealed carry or similar law. "
Being charged with a crime does not make you a criminal nor does it make that act criminal. Being convicted does. See above for the definition of conviction per the policy
I still strongly suggest asking everybody the list of questions I presented earlier. It will give you a more accurate comparison
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So is a guy who robbed a convenience store not a criminal. And is the act of robbing the store not a criminal act?? I feel like we’re running in circles and am not convinced that what was in that video was incorrect in any way. All love and God bless.
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Jeez, fellas. I have been reading all your back-and-forth in this thread. The question of criminality - it seems to me - would be decided by a jury in a system that is VERY unpredictable.
You both may be right in the positions you hold, but I myself would not want to toss such a coin so high into the air. Going through the legal wringer, victorious in the outcome or crushed, never leaves one with a sense of “winning”, only a sense of how much has been lost and the chore of adding up the costs.
Now please, if you would, find another thread because you have run in circles and more circles on this one.
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