What is CCW Insurance?
Concealed Carry Weapons (CCW) insurance, also known as 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:
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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.
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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:
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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.
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Civil Liability Coverage: Most CCW insurance policies do not offer coverage for civil liability.
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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.
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Coverage Limits: Some CCW insurance policies have limits on the amount the insurance company will pay for legal defense and other associated costs.
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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).
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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.
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Legal Defense: Most CCW Insurance policies offer some form of 24/7 legal help but very few provide direct access to an attorney for legal advice.
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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:
How is Right To Bear different? - +
Right To Bear Association is not an insurance provider and does not sell insurance policies. Instead, it offers membership benefits that include immediate access to legal assistance, training resources, and other tools. One of the core benefits of membership is direct access to attorneys without waiting for reimbursement or going through claims adjusters. Other providers may offer consultation, but not with attorneys.
With Right To Bear, your membership protects you from the unnecessary financial burden of a criminal or civil trial attorney fees and offers you the training and guidance you need to know that you won’t have to pay for making the right decision.
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 helps cover 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 some form of legal protection can offer peace of mind. Legal fees after a self-defense incident can be substantial—even if you are found not guilty.
Does CCW insurance include civil liability coverage? - +
Some CCW insurance policies include civil liability protection. However, not all do.
What is the difference between firearm liability insurance and CCW insurance? - +
Firearm liability insurance generally focuses on unintentional injuries or property damage. CCW insurance is more narrowly tailored to situations involving self-defense with a concealed firearm.
What does “carry insurance” mean? - +
“Carry insurance” is an informal term referring to any insurance product that supports individuals who carry firearms legally. This can include CCW insurance and other types of firearm-related policies.
What is shooter insurance, and how does it differ from CCW insurance? - +
Shooter insurance may apply to activities like competitive shooting or range time, and it typically offers protection in those contexts. CCW insurance is more focused on self-defense situations involving concealed carry.
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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.
*The Right to Bear Association has acquired a self-defense liability policy on behalf of the Association and its members, providing protection for criminal and civil defense, firearm replacement, bail bonds, and psychological support in the event of a covered act of self-defense.
Membership fees are collected and managed by Moultrie Insurance, LLC, a licensed insurance agency providing sales, operational, and administrative support to the Right to Bear Association. California License #6006483
Please note that all coverage* and benefits are subject to the terms, conditions, and exclusions of the self-defense liability policy and the Right to Bear Membership Terms and Conditions. Information provided herein is for informational purposes and is not intended to be a representation of coverage* that may exist in any particular situation. For complete details or a copy of the self-defense liability policy, contact Moultrie Insurance, LLC at 833-887-2327 or info@moultrieinsurance.com.