bowserb wrote:wgoforth wrote:US Concealed Carry Asc has an interesting sounding coverage https://www.usconcealedcarry.com/self-d ... pgrade.asp
I took a look there. Several years ago I was a member of USCCA. After the management demonstrated questionable judgment in its editorial policy, publishing an article that many, many people considered innapropriate and at the very least in incredibly bad taste--and then issued a non-apology--I let my membership lapse.
My question about this "shield"--and one on which I could find no info, since part of their website is not functioning--is what are the financial resources behind the Foundation? Since their links a broken today, all I can find out is that the Platinum plan which is normally $297, is now on sale for $77. If it were real, that would be a remarkable bargain compared to, say, the NRA plan. The key to any insurance is the financial strength of the company. If USCCA Foundation has $15,000 in cash and CD's, then how much help can it really provide? So, you call for $25,000 in legal assistance, because you just shot a BG, and you've been taken downtown for questioning and the BG's "fiance" has a lawyer ready to file the lawsuit, what does USCCA Foundation do? Write you a check or file Chapter 13?
If the USCCA plan is underwritten by a major insurance company, then that should be prominently advertised in their promotions. Since it is not so advertised, I can only assume that its resources consist of fees paid by members. At least the NRA-endorsed plan has an A.M. Best-rated insurance company on the hook, although they could bail as well.
As much as I have searched, I have not been able to find a story of anyone being assisted by any of the prepaid legal or insurance plans. I'll grant you, the probability of needing one is low, so the chances of finding anyone on any of the forums who has used one is even lower. Still, I'd prefer to not throw away money on a scam if I can avoid it!
If you go back to the link, there is a video about 1/2 way down that explains it all.. it is insured through Meadowbrook ins. Liability up to $300,000. NRA reimburses, rather than providing you with an attorney as some of the other plans do, such as CHLP that I currently have.