Terms of Agreement (Coverage)

Looking at the member terms it says that during a time of civil unrest or war that these policies will not be covered if there is an incident involving shots fired…Am I reading this right. It also, states any act of war or government or military action. Now, obviously I am not going to draw my gun on military or police but if there was civil war or unrest and someone is trying to break into my home and cause bodily injury to my family then and I have to use deadly force to protect us from being maimed, injured or killed will this policy for the insurance for defense be in effect. There are alot of questions regarding my coverage after reading these terms that I have. Is there someone with the legal knowledge of my contract/member agreement that I can talk to about these questions/concerns? Thanks

Welcome Gardner,

Good question, and unfortunately I do not know, but I would think that exclusion is for your actions in civil unrest or war, not your defense against others during civil unrest or war.

But, @Dawn might be able to obtain clarification.

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No worries ! I read the small print also. In cases of insurrection, riots, military or government uprising, civil disobedience, we are on our own. Coverage applies to “normal” times when the good guy was the good guy. If your concerns are about the November 3rd and the darkness to come. Use your best judgment save your family and your life. If the true and real chaos lands on your doorstep, legally I can’t tell you what to do. Watch your six stay safe. See you on the other side!

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Thank you for your advice…I will do so but part of the reason I got this coverage was for all the propagated civil unrest that is being conjured up by the powers that be and are trying to cause all this chaos…What is the point of having this during this time if your not insured or guaranteed legal protection if you or your loved ones are being threatened by an intruder that is there to cause bodily harm during “civil unrest”. This is the time to insure that you have this insurance and now I see that I might not be covered if this is the case…Also, this term “civil unrest” is a very vague term\what qualifies civil unrest or civil war…Technically, I suppose they could already say that this mode is in effect with all that is going on in our country right now! Also, I see if you are being tried criminally you are not covered…What if someone is threatening your life and you have to take action but have, for some reason, are being tried criminally? Then you don’t get the legal representation that you are paying for here? After reading these member terms I see that there are many loopholes for this organization to not be liable or in your corner! They should state these important facts during there 10 minute a million mile a second sales pitch which they speak nothing of this .Just guaranteed that I would be covered and have legal counsel to my disposal in any self defense situation. Not worth it. Will be calling them Monday to talk through this with their legal team/counsel to see if I will keep this or toss it! They never showed me these terms when I signed up and this language is too vague for such severe and expensive situations that we could find ourselves in, especially during the times that we are in and that we are facing! . Not happy with this MEMBER AGREEMENT TERMS at all!

Thanks again for your comment and help!

Thank you for your input. Hopefully we can get this clarified as one could say we are already under these terms/language in which they speak of in our Member Agreement (coverage). Thanks again!

Please let us know what you learn when you do call the company and speak with someone. I’d love to hear what they respond with when you do. Thanks

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Always watching my 6 but thank you for your help and comment. Hopefully, we can get some answers here regarding this language in there contract for coverage. Seems very vague w/a lot of loop holes that protect them more than us in certain situations that are completely out of our control! Thanks again

For sure I will…Hopefully they are in are favor…I am just glad that I went through the member contract because it definitely brings up a lot of concerns regarding our coverage or lack there of. I will be sure to post my findings and answers to my many questions in which I am writing down and highlighting now. This legal jargon is always important to understand and it seems like there are quite a bit of loopholes for us not to be covered in certain circumstances even if we/they would typically deem to be with in their agreement. Alot of the language here it is not specific enough…Need more clarification to commit to this and feel secure that we will be covered under certain guidelines stated in this contractual agreement.

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Also, I will try to get them to write down and list what each statement actually means. I have had lots of folks tell me things verbally over the phone just to find out it is not true. Having an email or something in writing is what I will expect to have from them. Listen, I am not here to threaten or talk bad about this coverage/organization but I damn sure am going to know what I am paying for and what I am protected against under their guidelines that, to me, seem very vague and were definitely not communicated to us when we signed up for this protection/service!

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I think understanding the coverage is commendable and I don’t think anyone is taking your post as talking bad about the service or campany.

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I would like clarification on all of this as well. In case the people at USCCA haven’t noticed, “civil unrest” is going to be common for the foreseeable future. No point in having this insurance if it doesn’t cover, you know, Patriots doing what they are practically forced to do like defending a friend’s business, or whatever. Also, what happens in the future if the government itself turns on us. I guess USCCA might not exist at that point. We’ll see. Obviously I don’t expect USCCA to cover criminal behavior, but what happens when society makes the innocent into criminals, and the criminals into heroes? It’s already happening.

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Thank you…I agree! I appreciate what this company stands for, the services that they provide for us and the protection that they provide. Just want to clarify a few things.

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Yes it is…and I understand their limits here for actuarial/financial limitations as I would not want to be in the insurance business during civil unrest or the like as it would could very well prohibit them from making a profit by having to spend too much on representation on a much larger scale. Not sure what this organization is worth or what their financial guidelines/thresholds are but, again, I do not want this service if I am not going to be covered for protecting myself from criminals, intruders or people whom are threatening or causing me and my family bodily harm during said times, which we could already be under depending on their classifications in the Members Terms of Agreements/Coverage. Hopefully, they will give us some clear answers to these important questions for their clients here so that we can be aware of the coverage that exists according to their contractual language that we have agreed to.

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What Constitution’s normal times? I’m mean really. If someone is robbing a store, is that normal times? In my state we have standard ground law which allows me to protect people around me. Will USCCA go to bat for me if that happens? Or is that not a normal time?

These are certainly “abby normal” times we are living in…be safe and careful out there.

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Gee my wife always tells the Dr, I’m AB normal. Even now, great movie, is it still legal to watch?

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Are you talking about USCCA coverage? Did someone from the org chime in on this one? Nothaving coverage when we may need it most would be a big disappointment.

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This question has been asked many times before. This is as close as we have gotten.

The answer given to me was maybe. Which means it will be reviewed like any other self defense shooting by the Crisis Response Team. If you are justified and it is a legal self defense shoot as in you meet ALL the requirements then yes most likely. If there is any dispute about the legality of your self defense the Crisis Response Team Will decide.

Direct response from @Dawn

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Wow! Yes, those were the good old days!
Today, 300 - 700 or more people decimate, burn to the ground a Target, Walmart, CVS, BEST BUY and every other family owned business they can destroy in an effort to sway a political view, that’s terrorism by definition! Our contract does not consider that type of action “normal”!
Sure you can stand your ground all day long or until the mob grinds you into the pavement (Reginald Denny) or (George Zimmerman) their lives are toast! Great lawyers, but still toast!
Or, you can take your God given right to self defense and use it to protect yourself and family, but no one has your back unless you’ve recruited your neighbors!
Yes, one or two thugs breaking into my home, “normal” ! 500 to 1000 or more coming to burn down homes and frighten children of all ages that’s not normal.
If that is the “new normal “ then the ROE has changed also. Plus the cost of coverage of say a USCCA will rise with the new normal. Would I be willing to pay more for “full no matter what” coverage , sure. But don’t think these are “normal “ times nor are they normal actions by fellow citizens!
We may also want to ask the Mcloskeys if what happened to them was normal. What they did was “right”, tactically wrong, IMHO, but just the same. The 2A was used. Being charged, well, NOT NORMAL!
Cities boarding up their business in anticipation of a VOTE is definitely not normal!

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I had the very same concerns in July when I re upped for my fifth year. I’m glad I’m here with the knowledge that every war ends and when it does I will still be covered. If you look closely at any form of coverage from your pets, cars to life , you’ like to find the same jargon in every contract known to man!

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