Do not mess with Air Guard…
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TTAG: Trinidad and Tobago Air Guard
Crimeny Jerzees! You are getting as FAST as Karacal ! That blew my mind!
Plus Plus!
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All I can see is The Truth About Guns
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That was first what came to my mind… I always wanted to visit that Country, but never decided if I prefer to first see Trinidad or Tobago.
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The ‘ya Maan’ Air force, I heard about them actually
Sharp outfit.
Don’t drug test 'em just let 'em fly! ‘Dis is so cool maan!’
Did you know that Danny Glover serves as T&T Minister of National Security? 
He is known there as The Honourable Fitzgerald Hinds. 
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Thanks, Will check that out
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I have a question. I understand that the insurance company denied coverage for Kayla Giles and why. But, if they didn’t have all the facts and she was found innocent would the insurance company reimburse her for her defense?
That’s one deep rabbit hole brother. You can theorize yourself to madness with what-ifs.
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I really don’t see it as a rabbit hole. I can see them not providing money for someone they feel broke the law, but if they are found innocent then they should get the coverage they paid for just like anyone else. I was just wondering if the USCCA would do this.
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Those Targets Are Great
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In over 20 years of USCCA being around, over 800,000 current members, and thousands of members having had incidents for which tens of millions have been paid…do we have reason to think this has ever happened?
It’s not for premeditated murder. If evidence clearly indicates a premeditated murder, do not expect to have coverage.
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Perhaps it was already explained, but I cannot find it…
I can understand that USCCA and I believe all other Companies doing such services are not covering criminal acts.
But… who and when decides that was a self defense or criminal act?
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Who and when decides varies between companies/orgs/memberships/whatever. As far as I can tell, someone else (not you the one involved in the incident) decides (for anything you can sign up for/join). So it’s a fair question to go directly to each group and ask them, WHO decides? And when?
For USCCA membership, currently, the facts and evidence of the incident are used by UFCIC (Universal Fire and Casualty Insurance Company) to make that coverage determination.
This is done within the confines of the policy on which members are additional insureds. I like to think of the policy as representing a contractual obligation from the insurance company. That’s a good thing IMO, as the policy pretty plainly lays out what is and is not. That’s why you see so many references to the policy, it’s not like the UFCIC can just say no on a whim (as discussed in this video)
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I understand that, and I’m not talking about her case specifically. What I am asking is If the USCCA or UFCIC denied coverage for what they felt was good reason (guilt sounds certain) and then the defendant was found not guilty would they reimburse the defendant for legal defense. Like @Jerzees says, " who and when decides that was a self defense or criminal act?" The insurance company or the jury?
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The UFCIC makes the coverage determination. Whether or not a member gets the no limit defense expenses and all other relevant expenses is determined by the UFCIC as outlined above.
I don’t know definitively what may happen in that situation (not covered, then found not guilty), I don’t know that it has ever happened and doubt it ever would happen…though I suppose it could (and maybe it has? IDK). When evidence clearly shows a premediated murder or evidence otherwise clearly indicates it was not self defense, seems unlikely to be found innocent, after all.
Agreed. I feel the same way. I don’t make important decisions based on what someone in a YouTube video says.
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You mean like a No Gun Zone? Soon after we can expect banning anyone who does not conform to USCCA policies by race, color, creed, belief, religion, etc etc etc… Sounds like Chicago to me.
A reasonable question. You would think it could be easily answered but apparently there is failure to communicate.
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That would probably depend on several different factors. Could additional charges still be filed? Was the person clearly proven innocent or did they get off on a legal technicality despite all the other evidence clearly showing them to be guilty? It would likely be decided on a case by case basis.
It seems that the insurer would have the final say. Perhaps USCCA could apply some pressure but if the insurer is acting within the terms of the policy the USCCA wouldn’t have any legal say. Though they could threaten to find another insurance provider.
In the case of Kayla Giles she ended up suing the USCCA for stopping coverage. The judge dismissed the case with prejudice meaning they thought the case clearly had no merit. If she had been found innocent she would have had a much stronger argument that she should have been covered. In that situation it could make a lot more sense for the insurer to voluntarily pay for the rest of the legal fees instead of paying all the costs of a civil trial and risk the significant potential costs of having to pay damages if they didn’t succeed in the civil process.
As far as I can tell, your scenario hasn’t ended up in a member not getting reimbursed for their legal fees after being found innocent despite all the self defense incidents USCCA members have been involved in. If someone had been denied coverage and had to sue to get their money back after being found innocent it is likely that the USCCA’s competitors would be plastering the details of that case all over the internet. But the only case they seem able to come up with is one where the person was found to have clearly committed premeditated murder.
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