CCW Self Defense Insurance.
Get a USCCA Membership to protect your Freedom and the Financial Future of your Family.
In a perfect world, defending yourself and your family would be a noble activity and no one would fault you, sue you, or throw you in jail for doing so. This is far from a perfect world. The reality is that if you use deadly force to protect yourself or your family, there is a good chance you will be detained, arrested and/or sued.
CCW Self Defense or Personal Defense Insurance can provide the peace of mind you want to protect your family from financial hardship after a traumatic event such as a self defense shooting.
Nobody likes to pay insurance premiums, but if you happen to have a claim, you are always glad you have coverage! Let me compare self defense insurance to homeowners insurance, there are many similarities.
Buying a home is a big step that comes with big responsibilities. You buy a home and now you need to maintain it, take care of it, update it from time to time and protect it for the future. You do not plan on a fire or theft or a natural disaster, but you certainly get homeowners insurance. This insurance is critical if something happens to your house because it could cost tens of thousands or hundreds of thousands of dollars to repair or replace if the unthinkable happens.
The same is true with the decision to carry a deadly weapon. This decision is also a big step and comes with big responsibility. You get your CCW and you start carrying a concealed firearm. You get some initial training and maintain your skill by practice and regular training.
From time to time you will upgrade or revamp your method of carry, equipment or training. You do this to be sure you are ready to defend yourself or your family. You should get self defense insurance because if the unthinkable happens, it could cost you tens of thousands or hundreds of thousands of dollars to keep your freedom.
The USCCA (United States Concealed Carry Association) provides its members with expert training and education for Concealed Carry and home defense. Its mission is to prepare responsible Americans with the knowledge and skills to protect themselves and their families with firearms.
The USCCA is not an insurance company, but they do provide it’s members with Insurance covering costs of the legal aftermath that usually follows a self defense shooting.
Do I Need Concealed Carry Insurance?
The decision to carry a concealed handgun comes with great responsibility.
This is only one man’s opinion, and I do not care where you get your self defense insurance, but if you are carrying a deadly self defense tool such as a firearm, you need insurance to protect yourself and more importantly, your family.
The Best CCW Insurance Coverage
There are other self defense insurance companies out there, but the USCCA wants to focus on training and educating you to be a confident and skilled protector, rather than simply provide money for the aftermath. The training provided will teach you how to avoid potential threats as well as deal with them should it become necessary.
A membership with USCCA will not only provide you with all the information you could possibly need to carry concealed, but it also provides up to $2,250,000 to cover you if you should be arrested, charged or sued as a result of a self defense encounter. Also provided are attorneys retainers and fees for your choice of defense lawyer to help protect your freedom.
I joined the USCCA as a Platinum Member because I believe they are the best option available. After much research, I found that they offer the most comprehensive package, and the quality of the training is extremely high. I am all about training and knowledge so this was a great fit for me.
You can read stories here about self defenders that were arrested as a result of defending themselves and others with deadly force. They ended up being released thanks to the services that USCCA provides to its members.
UPDATE: I recently joined the USCCA at the Platinum Level. Read my review here: USCCA Membership Review.
If you carry a gun, be sure to have medical training and self defense insurance to cover all the bases.
If you carry a gun, you should also be carrying some medical equipment such as a tourniquet and some quick clot at the very least. Why? I will tell you why. A gun is a tool, but a dangerous one. That is the entire point of having it. What if things do not go as planned? What if there is an unexpected discharge, or worse, you need to use the gun in self defense and you hit the wrong person, or your shot goes through the bad guy and hits an innocent bystander, or even a family member in a home invasion scenario? You better have the tools ON YOU or have a trauma kit in your vehicle and the knowledge to save a life.
What is the likelihood of this happening? Slim to none. Same as the chances your house will burn down. BUT, what if it does? If you’re not prepared, your life will likely suck afterwards.
The only way to be prepared is with proper training.
The first thing that I believe is to be prepared for the fight when evil comes your way. This means having an appropriate firearm on you at all times when you’re out and about, have ongoing training under your belt so you know how to safely and accurately use your firearm in a stressful situation. I cannot emphasize this enough.
When I took my first firearm self-defense class I did not think I was going to learn very much because after all I’m a guy, I read the gun magazines, I’ve been to the range several times, I know how to shoot a gun and hit the target and I know how to load it and unload it. What else is there? Well, let me tell you there is plenty that you do not know unless you have been to a real firearms training class. Without going into a lot of detail, I will just give you one example that I am sure you can relate to if you have ever been to the shooting range.
The next time you go to your local shooting range, look around at what other people are doing. Here are some common things you may observe:
- Unsafe gun handling. Loading and unloading while pointing the gun at themselves and others.
- Someone is firing a semi-automatic pistol and it jams. It just stops firing. They stop shooting and look at the gun with a perplexed expression on their face. They fiddle with the gun and try to figure out what happened and why it happened and what to do about it. Most of the time they’ll eventually figure it out and then they’ll continue shooting.
- Terrible accuracy. The target have holes all over them and most are NOT in the bulls eye.
This is exactly what I used to do before I got formal training.
If you are going to carry a gun, get trained!
Imagine you’re out at the local Walmart with the family and a shooting goes down. You get out your firearm to save the day, you press the trigger and nothing happens! What are you gonna do? Are you going to sit down, get a cup of coffee and put the gun on the counter and try to figure out what’s wrong? Of course, you’re not. You’re either going to run or you’re going to get shot. So much for having a gun on you.
Get yourself trained and you’ll be able to clear the vast majority of malfunctions within seconds and get that gun into the flight AND hit what you are aiming at!!
You won the fight, now what?
That was a long way of saying,”be prepared for the fight”. You also need to be prepared for what comes immediately after the fight. This could be medical attention, and or most likely dealing with the aftermath which could involve some or all of:
- News media
- Emotional distress
What do I do after a deadly force encounter?
One call to the USCCA Member support line, and they will help you navigate this part. They will help you get legal representation so you will know what to do next. More importantly, you need to know what to say, and what NOT to say to the police or 911.
This part is CRITICAL! After a high stress event, you may have done everything right, but you may say the wrong thing and end up in trouble with the law. A membership to USCCA will provide you with all the training in how to deal with these critical questions.
Get a USCCA Membership and be fully prepared to deal with the aftermath.
If you want to be prepared for the medical end of things, whether it’s your own injury or the injury to someone else, USCCA Platinum and Elite Memberships include some emergency trauma training in the Protector Academy Levels 2 & 3.
Then purchase and carry the tools needed to stop someone from bleeding out. Basic knowledge in this area is not typically very extensive and you could learn the basics relatively quickly with some good training videos.
So, get the training you need to keep your family safe. Firearms Defensive Handgun Training, Basic trauma Training, and protect yourself with a membership to USCCA.
Please leave comment and questions below!