New to the world of concealed carry insurance?
There’s A LOT of potential plans…and they don’t exactly make it super easy to compare.
But don’t worry…I’ve got you!
Editor’s note: It looks like the NRA has ended their Carry Guard insurance program, and aren’t offering new policies anymore.
Things to Look For
I came across a nice little breakdown of what to look for in a concealed carry legal plan, written by an actual attorney1. His list of things to look for in self-defense insurance are:
- Attorneys’ Fees Coverage
- Bail Bond Coverage
- Access To An Attorney
- Freedom To Choose An Attorney
- Civil Judgement Coverage
Which is, all in all, a good list.
Let’s get on to the comparison before I go over why you would even want concealed carry insurance.
Concealed Carry Insurance Comparison
|NRA Carry Guard |
|Second Call |
|Armed Citizens |
|US Law |
|“First Dollar” Coverage||Y||N*||Y||Y||Y||Y|
|Your Own Attorney||Y||Y||Y||Y||N||Y|
|Criminal Defense||$100,000||$100,000||$50,000||$25,000 + Merits||Covered||$1,000,000**|
|Civil Defense||$500,000||$500,000||$50,000||Based On Merits||Covered||$1,000,000**|
|Civil Damages||$500,000||$500,000||$50,000||Based On Merits||Not Covered||$1,000,000**|
|Bail||$5,000 / $50,000||$10,000/$100,000||$5,000 / $50,000||$25,000 + Merits||$2,500 / $25,000||$1,000,000**|
|Online Signup||Online Signup||Online Signup||Online Signup||Online Signup||Online Signup|
What Do I Have?
Everyone keeps asking…and I finally went through and wrote up why I personally chose USCCA for my needs. Here’s my full review.
Why Would You Want Insurance?
The only thing that non-attorney me might add to that list is the importance of “First Dollar” coverage that kicks in from Day One, versus coverage where you have to pay and then you get reimbursed by your plan.
Do you have easy access to a half-million dollars or more in loans to cover your upfront costs?
If you carry a firearm, I heartily suggest you spend a few dollars and sign up for a self-defense legal coverage plan of some sort.
It just makes too much sense.
I’ve had a number of friends get in serious legal trouble due to their defensive use of a firearm, and you don’t want to go in front of a judge with a public defender whose legal knowledge is probably limited to defending actual crooks in a court of law.
Instead, you want someone who knows how to the defend the truly innocent, and that is going to cost money.
Lots and lots of money.
You carry a gun because you planned ahead for a lethal force encounter. Get a legal plan to prepare for a battle inside the courtroom.
* Unlike the other plans, CarryGuard does not pay upfront: You pay for your attorney and whatnot, then the policy kicks in.
** Coverage for CCW Safe includes bail, criminal and civil trial attorneys’ fees and civil damages in one lump sum.
1. Do I really need to say that I am not an attorney and that this is not legal advice I’m giving out here? If so, I am. Figure it out for yourselves, and go talk to a lawyer about this stuff, because it’s a good idea.