What is CCW Insurance?
What is Concealed Carry Weapons Insurance? You need to know what it is and what it covers. Another important question to ask is whether or not CCW insurance is worth your money. Below we'll try to address these questions.
CCW insurance, also known as Concealed Carry Weapons (CCW) insurance, is a type of insurance coverage specifically designed for individuals who possess a concealed carry permit or license, allowing them to legally carry a concealed firearm or other self-defense weapons. This insurance is intended to provide financial protection in the event that the policyholder uses their concealed weapon in self-defense and faces legal and financial consequences as a result. Here's how CCW insurance typically works:
- Policy Purchase: Individuals interested in CCW insurance can purchase a policy from an insurance provider that specializes in this type of coverage. These policies are usually offered by companies that have expertise in firearms-related legal matters.
2. Coverage Details: CCW insurance policies vary in terms of coverage, so it's essential to carefully review the policy documents to understand what is included. Common coverage elements may include:
- Legal Defense Coverage: This is the core component of CCW insurance. It provides funds for legal representation in the event of a self-defense incident. Coverage typically includes attorney fees, court costs, and related legal expenses.
- Civil Liability Coverage: We do not offer coverage for civil liability.
- Bail Bond Coverage: In some cases, CCW insurance may cover the cost of bail bonds, allowing you to secure your release from jail while awaiting trial.
- Coverage Limits: Some CCW insurance policies have limits on the amount the insurance company will pay for legal defense and other associated costs. We do not have coverage limits -- we offer civil/criminal legal defense.
- Self-Defense Training and Education: Some insurers provide access to self-defense training and educational resources to help policyholders make informed decisions during high-stress situations.
- No Duty to Retreat: Certain policies may provide coverage even in cases where you do not have a legal duty to retreat from a threat (often referred to as "stand your ground" or "castle doctrine" situations).
3. Reporting an Incident: If you are involved in a self-defense incident where you use your concealed weapon, you should promptly contact your insurance provider to report the incident. The insurance company will guide you through the process and may assist in selecting legal representation.
4. Legal Defense: We have a 24/7 attorney answered hotline to answer emergency calls because we want to establish attorney client privilege asap. If a call goes to an insurance company those calls can be subpoenaed and used against you later in court!
5. Policy Costs: CCW insurance premiums vary based on factors such as the policyholder's location, coverage limits, and the insurance provider. Costs can range from a few hundred dollars to over a thousand dollars annually.
Frequently Asked Questions:
What is CCW insurance and how does it work?
CCW insurance, short for Concealed Carry Weapons insurance, is a type of self-defense insurance designed to protect legal gun owners who carry concealed firearms. It typically covers legal defense costs if you use your weapon in a self-defense situation. Unlike traditional firearm liability insurance, CCW insurance focuses specifically on criminal and civil defense rather than property damage or accidental discharge.
Is CCW insurance worth the money?
If you carry a concealed firearm, investing in CCW insurance—or self-defense insurance—can offer peace of mind. Legal fees can easily reach tens of thousands of dollars, even if you're found not guilty. A policy like Right to Bear insurance provides critical legal protection that can prevent financial ruin after a justified use-of-force incident.
Does CCW insurance include civil liability coverage?
Some concealed carry insurance policies include civil liability coverage, which protects you financially if you're sued after a self-defense incident. However, not all providers offer this. For example, Right to Bear offers robust criminal and civil defense without arbitrary coverage caps, unlike some other plans.
What is the difference between firearm liability insurance and CCW insurance?
Firearm liability insurance generally covers unintentional injuries or property damage caused by a firearm. CCW insurance, on the other hand, is designed specifically for lawful concealed carry holders involved in self-defense situations, covering legal fees and related costs if you're prosecuted or sued.
What does “carry insurance” mean?
"Carry insurance" is a broad term referring to any insurance policy that provides legal and financial protection to individuals who legally carry a firearm. This includes CCW insurance, which may cover attorney fees, bail, and other costs associated with defending yourself after a shooting.
What is shooters insurance, and how does it differ from CCW insurance?
Shooters insurance is often used interchangeably with firearm-related insurance, but it may refer to policies covering gun range activities or competitive shooting events. CCW insurance, by contrast, is focused on self-defense situations involving concealed firearms and typically includes access to emergency legal support.
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Looking For Self-Defense Protection?
Right To Bear offers Elite protection along with many other great benefits. Our plans offer more than just legal reimbursement to secure your peace of mind.