Are you Covered? Ask your questions to our USCCA guest

Published on April 12, 2022
Duration: 140:32

This video features a discussion with Matt from USCCA, an account executive, about the importance and specifics of self-defense insurance. The conversation covers USCCA's three-tiered approach (mental, physical, legal preparation), the details of their insurance coverage including unlimited defense expenses and bail bonds, and how membership works. Key topics include the difference between named insured and additional insured, what happens if a plea is taken, coverage for civil suits, firearm reimbursement, and limitations in certain states.

Quick Summary

USCCA members are considered 'additional insureds' on the policy, not the 'named insured'. This means you receive coverage, but USCCA holds the primary policyholder rights. Taking a plea deal generally voids coverage as it admits guilt, and defense expenses are unlimited with a $100,000 bail bond limit.

Chapters

  1. 00:01Introduction and Welcome
  2. 03:01Importance of Self-Defense Insurance
  3. 04:01Guest Introduction: USCCA Representative
  4. 08:50Preparing for the Discussion
  5. 16:16Bringing in Guests
  6. 26:28USCCA Representative Matt Joins
  7. 30:28About Matt and USCCA
  8. 32:09USCCA's Three-Tiered Approach
  9. 33:15USCCA Training Certifications
  10. 35:23USCCA vs. Other Insurance Providers
  11. 39:02Coverage After a Plea
  12. 40:50Civil Liability Coverage
  13. 42:38Defense Expense Limits and Bail
  14. 44:16Attorney Representation in Court
  15. 45:50Why Choose USCCA?
  16. 49:06Repaying Defense Costs if Found Guilty
  17. 51:11Other Insurance Companies and Clauses
  18. 53:21Likelihood of Situations and Training
  19. 54:38Guest Siege Joins: Insurance Adjuster Perspective
  20. 59:02Siege's Questions on Policy Details
  21. 61:01Named Insured vs. Additional Insured Explained
  22. 62:11Membership Card Information
  23. 64:13Beyond Criminal and Civil Coverage
  24. 65:50Firearm Reimbursement and Lost Wages
  25. 67:02Counseling and Crime Scene Cleanup
  26. 69:00States Where USCCA is Not Offered
  27. 70:25Key Reasons to Choose USCCA
  28. 73:32Stolen Firearm Used in Crime Scenario
  29. 74:38Vetted Attorney Network
  30. 75:53No Out-of-Pocket Retainer Expense
  31. 77:00Conclusion and Final Thoughts

Frequently Asked Questions

What is the difference between a named insured and an additional insured with USCCA?

With USCCA, the policy is written to USCCA itself, making them the 'named insured'. As a member, you are an 'additional insured'. This means you receive coverage, but the primary policyholder rights and responsibilities lie with USCCA, not you directly.

Does USCCA cover legal expenses if I take a plea deal?

No, USCCA coverage generally does not apply if you take a plea deal. Taking a plea is considered an admission of guilt, and insurance policies are designed to cover self-defense incidents where guilt is not admitted. It's advised to never plead if you believe you acted in self-defense.

What are the limits for defense expenses and bail with USCCA?

As of November 1st, 2021, USCCA offers unlimited defense expenses for members. The bail bond limit was also increased to $100,000. This coverage is part of the comprehensive protection provided to members.

Can USCCA help if my firearm is stolen from my car and used in a crime?

Yes, if your firearm is stolen from your car, properly reported as stolen, and then used in a crime, USCCA may still provide protection in a subsequent civil lawsuit. You must ensure the firearm is reported stolen to maintain coverage.

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