Which concealed carry insurance should you pick? USCCA vs Us Law Shield
Headlines about people getting thrown in jail for protecting their home and for firearms-related self-defense are not an uncommon incident. The law (particularly for firearms) has its own less-conspicuous times, which is why lawyers and fellow lawmakers take such large compensations for fighting a case.
This is where legal defense insurance comes into play.
In this article, we will learn more about the 2 extremely popular defense insurance programs and compare them side by side. This article will breakdown the exact difference between US Law Shield and USCCA.
US Law Shield
The U.S. & Texas Law Shield is a legal defense insurance program designed for self-defense. In layman’s terms, if you find yourself in a self-defense situation and plan to use a weapon against an aggressive intruder, resulting in an injury or fatal consequence, the insurance will cover you for all the legal expenses within a specific capability. You may or may not possess a firearm license and the weapon may or may not belong to you. Either way, the legal defense plan will still cover you.
U.S. & Texas Law Shield was established in 2009 by a group of revolutionary lawyers, who wanted to cover guiltless citizens against the inequality of the legal system in self-defense events.
The company offers you legal assistance and covers the expenses that results from the legal proceedings, depending on the kind of plan and add-ons you buy. It is similar to car insurance. You can call their emergency hotline anytime to talk to an attorney, 24/7 and 365 days a year. Even on public holidays.
The services of U.S. Law Shield can also encompass activities like hunting, multi-state coverage, minors protection, and a lot more. You still can stay covered under this comprehensive insurance, as long as you use a legal weapon. All that regardless of a state-carry-permit. The firearms law company has an extensive list of included covers and elective add-ons. Furthermore, they have a distinct Law Enforcement Program for on and off-duty officers.
Apart from all those, U.S. Law Shield also provides timely sessions and self-defense learning resources. So you may educate yourself in-depth about the legal implications of using a weapon in such dire situations, and be more prepared for such an incident. On top of that, your membership also earns you some coupons and passes for a wide series of shooting range access, weapon shops, and many more.
The basic plan costs US$10.95/month or US$131.40/year. On top of that, it comes with a one-time primary start-up fee of $19.95 per member.
USCCA stands for United States Concealed Carry Association. It was co-founded back in 2003 by Tim Schmidt and Tommie Schmidt to instruct people about concealed carry methods. It also comes as a discussion forum for firearm fanatics. It has a large community of gun users and also publishes regular periodicals on different topics related to gun carrying and legal updates.
The company provides users with different types of membership programs, which allows gun owners to choose an appropriate one depending upon your financial status and the level of protection you need. The policy gives you an all the round the clock assistance and covers you against using any kind of legal weapon, alternate weapon, or occasion. There are no additional add-ons to be bought, which may be a plus or minus for every unique user.
The USCCA is one of the most popular and extensively used legal defenses for self-defense programs in the U.S. They gained great popularity after they were revoked from the NRA annual meeting back in 2017 for presenting a better and more competitive plan.
Conclusion: Key Takeaway
Both U.S. Law Shield and USCCA have their own pros and cons. The U.S. Law Shield program is good for people who are looking for basic firearms coverage at an affordable price, whereas USCCA is a more comprehensive insurance package that covers most legal and even personal costs.
The U.S Shield Law does cover lawyer expenses without any monetary or hourly caps. However, they do not cover any civil damage expenses whatsoever. Furthermore, U.S. Law Shield also doesn’t have any facility for bail bonds or expert witness (except for residents of Oklahoma, Texas, and Pennsylvania). This can be a big setback if your case is lost or you are fined for damage recompense.
U.S. Law Shield has diverse add-ons you may opt for as and when required. The emergency hotline with a direct attorney is a big advantage. However, you don’t get to choose your attorney instantly. Which isn’t popular by most people.
The individual recompense (daily, mental, and hardship) by USCCA is a great advantage while the case goes on. On top of it, they pay upfront for bail bonds and pay for civil damages, all in the aptitude of your membership plan.
If you live in PA, TX or OK, U.S. Law Shield is a great package for you because of its coverage and pricing. But for anywhere else, USCCA seems to be the better option because of its coverage, states of operation, and compensation construction.
If you buy the U.S. Law Shield program with full add-ons, it’s going to cost you around US$20 a month. But you get a lot more with spending just an extra US$10 per month with USCCA.