You have to excuse the rudeness of some people…
@MikeBKY does a good job of breaking down what may be happening here… you can read his post WAAYYYYy up there toward the beginning of the thread…
The following is the response I got from customer “support”:
Hello Danny,
It is true that the Self-Defense Liability Policy issued to and held by the USCCA includes a condition allowing for Recovery and Recoupment. It also specifically excludes coverage for criminal acts. The recovery and recoupment provision gives the insurance company the ability to recoup amounts paid in the event an insured was convicted of a criminal act.
Why? Because insurers are generally prohibited from providing coverage for intentional criminal acts. Thus, the insurance company cannot and will not provide coverage for criminal acts.
I think all responsibly armed Americans would agree that if what was initially presented as a lawful act of self-defense turned out to be a black and white first-degree murder, the insurance company should be able to recoup payments.
I hope this helps, and if you have any further questions, please let me know. Have a great day and thanks for being part of the USCCA.
Mike P
Customer Engagement Manager
[email protected]
877-677-1919
After reading some of the posts , I’m a bit more comfortable with USCCA, but I’d still like to see a response from Tim Schmidt himself. Also. at this point I agree with the posts that emphasize training, and awareness so I’m never in a position to have to test the clause.