Tim Schmidt is the owner, founder, and CEO of Delta Defense
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This is a fair question for which we do not currently know the answer. There are all kinds of possibilities.
For now we have to go with the fact that Alan was not denied coverage and it seems his appeal is going on with membership benefits providing for the attorney fees on that appeal.
I also happen to have the totally irrelevant Iām not a lawyer etc opinion that the public defender did a good job
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I have been a member for years. I know and teach the laws governing self defense. If I go out and do something I know is wrong, I will be intellectually honest enough to not call USCCA.
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In this nation, by law, all defendants have a presumption of INNOCENSE right up until the moment the jury determines their guilt. The jury (or judge, in the case where defendant wants to be tried by the court) will determine guilt or innocence. The insurance company should not be allowed to make unilateral determinations of guilt BEFORE trial. USCCA reneged on their commitment to Kayla Giles and pulled her financial resources, leaving her to fend for herself. Of course, she was found guilty. Then USCCA says: SEE! SEE! WE WERE RIGHT! SHEāS A CRIMINAL! Then you used the fact that she got convicted to get her civil case dismissed.
If Alan Colie was never denied coverage, did USCCA pay his bail after he was arrested? Iām guessing not, since he spent six months in jail. How about the up to $750 per day for his lost wages? six months in jail could spell financial disaster for someone. So, were all his legal fees covered? Iām guessing not, since he was represented by a public defender, although he was an excellent one.
Do you see how all of these questions make your members question your commitment to them?? They were the reason I ultimately decided to cancel my membership.
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The insurance company does not determine a person to be guilty of a crime beyond a reasonable doubt, thus stripping them of their Rights and Liberties and freedoms. That is what the judge/jury and only the judge/jury do.
The insurance company does get to choose based on clear evidence that the person did not act in self defense and is not owed money from the insurance company for defense in court.
There is nobody you can join who will guarantee to defend you/pay for your defense, no matter what. And I donāt personally think there ever could or will be. If you think otherwise, call them, and ask straight up ādo you guarantee to pay my legal defenses no matter what, if I say it was self defense?ā. Please share their answer with us.
USCCA never committed to defend premeditated pre planned murder.
Was Alan Colie eligible for bail?
You are asking too much detail to be shared for an onging, acive case, as far as the rest is concerned.
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Really?? So when Tim says āWell, Delta Defense decided to doā¦,ā he really means HE is making the ultimate decisions??
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What did Tim say Delta Defense decided to do?
Delta Defense is more than just Tim. Individual decisions are not necessarily made directly by him.
Ultimately, currently, coverage determination is made by the UFCIC per the terms and conditions of the self defense liability insurance policy on which members are additional insureds.
The issuance of this policy to the USCCA was facilitated by Delta Defense and I am sure Tim Schmidt had plenty of say in how that went.
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The insurance company does get to choose based on clear evidence that the person did not act in self defense and is not owed money from the insurance company for defense in court.
But in the case of Kayla Giles, both her lawyer and the judge in her case agreed she had a case for self-defense. I saw the video of Alan Colie shooting the man whom he felt was threatening. Based on my many years of experience as a criminal defense investigator, I clearly saw that Colie could justify a good faith claim of self-defense too.
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Kayla Giles committed a pre planned murder.
Alan Colie was never denied coverage.
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I think you both need to get a life. 
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I meant that I was not aware that USCCA and Delta Defense were both owned by Tim
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As for Kayla Giles: It does not matter. If I bought a gun with intent to kill my neighbor and googled how to kill my neighbor, then when I pull into my driveway and my neighbor jumps out of the bushes and lunges at me yelling āyouāre dead!ā and I shoot him. itās self-defense
As for Alan Colie, are you saying that committing to pay a memberās legal fees, bail and loss of wages goes like it did for Alan Colie? I am asking that because thatās a guestion on the minds of every USCCA member.
The person she shot did not do that, or anything like that. It was pre planned murder and that is not what anything about the membership is about.
We donāt know very much about Alanās current, ongoing situation. We know he was not denied, itās still ongoing, and it is being appealed. Weāll have to wait to see when/if we learn more.
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The person she shot did not do that, or anything like that. It was pre planned murder and that is not what anything about the membership is about.
Weāre just going round and round here. The point is, I canceled my membership because I was not convinced that USCCA would stand by me if, God forbid, I had a self-defense incident. You guys need to assure your members that you will stand by them, and then prove it by actually doing everything your marketing says you would do in case of a self-defense incident.
We donāt know very much about Alanās current, ongoing situation. We know he was not denied, itās still ongoing, and it is being appealed. Weāll have to wait to see when/if we learn more.
If by āweā, you mean the USCCA members, then you are right, they donāt know much about Colieās situation. But USCCA knows what his situation is, because they responded to his initial call. USCCA knows how much of their resources were allotted to Alan Colie. USCCA knows whether they did or didnāt pay Colieās bail, and if not, they know why. USCCA knows how much money they committed to Colieās court case. They know how much of the trial they covered and they know why. USCCA has to be aware of all of these factors because they were intimately involved with this case. So why was Colie represented by a public defender and not a private attorney? USCCA knows that too.
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So technically itās ufcic that is the ultimate source of those monies etc
Not necessarily delta defense or USCCA
But also itās not really anyoneās business to be sharing that much info for members ongoing legal situation give it time
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All points I was wanting answers for. Who is the insurance company to decide beforehand if a person is innocent or guilty? The insurance industry usually works by the larger group of individuals that donāt commit crimes to bear the cost of covering the cost of those individuals who commit crimes. If itās a bad business plan then that company goes out of business.
Every member should be covered until found guilty. That was my understanding of the materials presented to me when I signed up. If not then so much for being there when I need you. If that is the case then why am I wasting my money on it?
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The insurance company does not determine a person to be guilty of a crime beyond a reasonable doubt, thus stripping them of their Rights and Liberties and freedoms. That is what the judge/jury and only the judge/jury do.
The insurance company does get to choose based on clear evidence that the person did not act in self defense and is not owed money from the insurance company for defense in court.
There is nobody you can join who will guarantee to defend you/pay for your defense, no matter what. And I donāt personally think there ever could or will be. If you think otherwise, call them, and ask straight up ādo you guarantee to pay my legal defenses no matter what, if I say it was self defense?ā. Please share their answer with us.
And no, the point is not to have those who do not commit crimes bear the cost of those who commit crimes.
Insurance is absolutely not for the comission of crimes. An insurance company cannot insure an intentional, illegal act
Every member should not and will not be covered until found guilty final non appealable (no matter what they did, that isā¦)
Murderers should not be privy to the defense expenses/etc that are intended for acts of self defense by members/additional insureds.
There has to be a line somewhere to avoid literally ending up as āmurder insuranceā as the anti gun and anti self defense types claim things like USCCA membershp are.
If you want coverage when you clearly murdered someone, the USCCA membership is probably not a good fit for you.
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You miss my intent. ALL insurance works by the larger population of a specific group paying the cost of a sub group. I donāt care what type of insurance you pick, car, home, death(life), burial etcā¦ The group as a whole pays for the fixing of your car, replace your home, $$ to heirs and caskets. Thatās why insurance companies have adjusters. To keep the cost of paying out to a minimum and more profit for the company and shareholders.
While itās true insurance companies invest money given to them via monthly payments, they still work HARD to keep payout to the minimum possible. Thatās why there are riders for. A tornado comes through Im covered. But straight line winds are a bigger concern here. The insurance WONT cover unless I pay more for that specific event. I know because Allstate wouldnāt cover the siding blown off an out building because āmy deductible ā was too high. I dropped them on the spot.
I donāt plan on shooting anyone unless my family or I am threatened. If there is CCTV or a video showing one side like in the delivery driver I want my money going someplace else! The jury decides not some board members looking to save on paying out. The insurance company signed up for this possibility going in and now want to duck me up the arse because it didnāt look good on some ducking video! DUCK THAT AND DUCK THEM! If itās proven at trial I planned a murder let them seek relief in court from that person and not by holding back on MY prepaid coverage!
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Yes, it works by a larger group covering cost of a subgroup. In this case, it would be members who do not have a covered act of self defense as the large group and the sub group being the relatively small portion who do have a covered at of self defense. But, not murder (Kayla Giles).
Nobody signed up for paying the legal defenses of a pre planned murder.
The delivery driver was never denied coverage.
As a USCCA member, I absolutely do not want people who the evidence indicate committed a pre planned murder to have their expenses paid for from the membership benefits. I donāt want that association
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And that should be decided in COURT! Not by some board member! I donāt want a murderer covered either but thems the cost of doing business in this line business. Insurance companies can write that shyte off of there taxes. Now you want to deny me coverage because it looks bad on some video yet we all say to be careful because you donāt know the full story. Same shyte can be said for insurance companies.
Self defense can be considered a criminal act by any board room member anytime they please if money is tight your way.
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