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Old April 6th, 2018, 03:44 PM #1
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USCCA Membership

I saw there was a post several years ago with not much discussed. Just wondering if this is more widely used and if anyone has any first or second hand knowledge of how it works? It seems better than carry guard and they offer a 10% military discount and covers family members in the home.

In my research I found that they don't seem to consider a firearm locked in a safe to be a safeguarded firearm.

And since a firearm owners liability presumably ends if they report a firearm stolen I don't think I am too worried about that. Aside from the boating accidents I have seen mentioned from time to time why wouldn't someone who has a firearm stolen not report it? Besides MD requires it for "regulated" firearms.
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Old April 6th, 2018, 04:10 PM #2
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I have a USCCA membership. I started this year. I’ve been happy with them. Years ago I heard they had some issues with telephone operators not being available at times of emergency. They have since fixed that. With that said, I have not had any incidents so I have not needed them. Also, your direct family numbers are covered also if there is an incident on your property.
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Old April 6th, 2018, 04:27 PM #3
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What's the recommended best deal from their choices??

Meaning, what do MDS members think is best based on their spending their hard earned dollars?
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Old April 7th, 2018, 11:14 AM #4
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So as I wait for my wear and carry permit, I called the USCCA to ask if their insurance covered if I was wrongfully arrested for presumably being outside my restrictions. I spoke with a really nice guy who wasn't aware of the strange rules regarding our Maryland permits. He sent my questions up to their law team and in the meantime sent me a list of their Maryland rapid response team lawyers. While I waited I spoke with the one of the lawyers associates who surprisingly was knowledgeable about the restrictions on the wear and carry permit. Back to the USCCA. The same guy I spoke to earlier called me back and said that no, the insurance does not cover what I'm asking, but that they highly recommend speaking with the lawyer I had spoke to earlier, and see if they could help me arm my self with knowledge on interpreting some things. I'm reluctant to post what I have in mind in terms of working with the lawyer just yet. If I get the result I'm looking for, I'll gladly share.

Overall, the USCCA was very helpful with my questions, and the gentleman I spoke with on the phone has emailed me multiple times over the last few months, just checking in like an old friend would. Never once was I pressured to sign up (haven't yet, but I plan to) and yet they still treat me like family. their general call center doesn't have an option to reach a specific person, but they all work in the same office and have been great with getting my call sent back to the gentleman I have dealt with. He also took the time to research Maryland specifically, and is fairly knowledgeable on our state. If anyone would like his name or email, pm me and I'll send it to you.
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Old April 7th, 2018, 11:21 AM #5
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Discussed ad nauseum in other threads. I have CCWSAFE.

https://www.mdshooters.com/showthrea...hlight=ccwsafe

Why would they cover you if you were arrested outside of your restrictions? That means you were at fault.
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Old April 7th, 2018, 11:24 AM #6
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I joined the same day my MD permit showed up in the mail. I contemplated asking the very same question (whether their insurance covered the legal costs of running into trouble surrounding restrictions), but it seems self-evident that's not an incident of self-defense, per se. Now, if you get friction about your restrictions in the wake of actually having to defend yourself, the lawyer they're buying for you would presumably provide a little help that way. Too many possible twists and turns to predict, I imagine.

I did shop around the several key offerings (the NRA's program and others), and USCCA seemed like the most bang for the buck, especially because their coverage isn't restricted only firearm use. Basically, if I have to deck some clown with a fist to defend myself, they're ready to work for you, while the NRA's plan isn't. And coverage for my wife was a cheap add-on, so frosting on the USCCA cake. Hope I never, ever have to even think about it. But even having to brandish your carry piece to stop an assault could get you in a bankruptcy-level legal event, so it's crazy not to spend the same on this as you would on that extra box of ammo at the range once in a while.
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Old April 7th, 2018, 11:27 AM #7
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Quote:
Originally Posted by Occam View Post
I joined the same day my MD permit showed up in the mail. I contemplated asking the very same question (whether their insurance covered the legal costs of running into trouble surrounding restrictions), but it seems self-evident that's not an incident of self-defense, per se. Now, if you get friction about your restrictions in the wake of actually having to defend yourself, the lawyer they're buying for you would presumably provide a little help that way. Too many possible twists and turns to predict, I imagine.

I did shop around the several key offerings (the NRA's program and others), and USCCA seemed like the most bang for the buck, especially because their coverage isn't restricted only firearm use. Basically, if I have to deck some clown with a fist to defend myself, they're ready to work for you, while the NRA's plan isn't. And coverage for my wife was a cheap add-on, so frosting on the USCCA cake. Hope I never, ever have to even think about it. But even having to brandish your carry piece to stop an assault could get you in a bankruptcy-level legal event, so it's crazy not to spend the same on this as you would on that extra box of ammo at the range once in a while.
I figured the answer would be what I got, but I worded it that it would be self defense against the state, to which they agreed, but it wouldn't be covered.
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Old April 7th, 2018, 11:29 AM #8
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Quote:
Originally Posted by Occam View Post
I joined the same day my MD permit showed up in the mail. I contemplated asking the very same question (whether their insurance covered the legal costs of running into trouble surrounding restrictions), but it seems self-evident that's not an incident of self-defense, per se. Now, if you get friction about your restrictions in the wake of actually having to defend yourself, the lawyer they're buying for you would presumably provide a little help that way. Too many possible twists and turns to predict, I imagine.

I did shop around the several key offerings (the NRA's program and others), and USCCA seemed like the most bang for the buck, especially because their coverage isn't restricted only firearm use. Basically, if I have to deck some clown with a fist to defend myself, they're ready to work for you, while the NRA's plan isn't. And coverage for my wife was a cheap add-on, so frosting on the USCCA cake. Hope I never, ever have to even think about it. But even having to brandish your carry piece to stop an assault could get you in a bankruptcy-level legal event, so it's crazy not to spend the same on this as you would on that extra box of ammo at the range once in a while.
CCWSAFE covers non firearm weapons as well. And family members. I guess you didn't read their plans.
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Old April 7th, 2018, 11:36 AM #9
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Originally Posted by Blaster229 View Post
CCWSAFE covers non firearm weapons as well. And family members. I guess you didn't read their plans.
I did. Which is why I mentioned the difference between NRA & USCCA in that regard. I evaluated all of the offerings in detail, and while there is significant overlap in some areas, there are gaps, or changes in the level of coverage, or differences in the way the lawyers are compensated or what you're on the hook for depending on different outcomes. A lot of moving parts. A dispassionate analysis landed me at USCCA. I'm not married to them, it's one year at a time, so we'll see. Can always change horses if I see fit, but I'm happy enough.
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Old April 7th, 2018, 11:37 AM #10
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Quote:
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Why would they cover you if you were arrested outside of your restrictions? That means you were at fault.
Well, not necessarily. That's exactly the point. You can get arrested because the officer you're interacting with THINKS you are. If you can't make an "articulated" case clearly enough on the spot to that officer, you're in for a legal adventure. Doesn't mean you're at fault - at least, not for anything worse than being bad at explaining why the officer has made the wrong call. Which is exactly when a lawyer would be really handy, to make those charges go away.

But that possibility is exactly why everyone should be bringing their newly issued permit (and the inevitable restrictions) before the review board. I'm waiting on a response from them about a requested hearing, specifically to remove those restrictions and the legal ambiguity that comes with them. I'm on call 24x7 for my business. But that doesn't mean I never go to the movies with my wife, officer ... though I may have to leave that moment and head into a work situation, and not stop back home, first. Am I "doing business as" while I'm having a sandwich in between two activities that are clearly work related? Depends which officer you ask, and there's the problem.
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