Ccw Insurance: Is It Worth The Cost?

If you carry a gun for self-defence, you may have to use it. CCW insurance, or self-defence insurance, is important because of the high costs associated with legal defence. While you may never need to use your gun, thousands of people rely on their firearms to survive an attack each year. CCW insurance can help protect you from the legal consequences of using your gun in self-defence, such as expensive lawyer fees, police investigations, and potential civil liability. It can also provide bail money and cover lost wages. While CCW insurance is not a legal requirement, it is a good idea to have if you can afford it.

CCW insurance is important to protect yourself from the legal aftermath of a self-defence incident

CCW insurance, also known as self-defence liability insurance or concealed carry insurance, provides legal protection benefits to the policyholder if they ever have to use force in self-defence or home defence. The insurance typically covers legal representation and defence in the event of a criminal investigation, which commonly follows a self-defence incident. Policies may also provide coverage for civil court proceedings stemming from the self-defence act. Even if no criminal malfeasance is found, the aggressor or their surviving family may seek compensation in a civil court.

The legalities around self-defence are extremely expensive and complicated. Those caught in situations where they felt they needed to use their gun in self-defence may find themselves burdened with legal fees, court dates, and criminal accusations. CCW insurance can help cover these fees and provide information on legal procedures, as well as assistance in finding a self-defence attorney.

The importance of having self-defence insurance cannot be overstated. In the unfortunate event that you have to use your firearm to protect yourself or your loved ones, CCW insurance can cover legal fees, bail bonds, and other associated costs, ensuring that you're not financially burdened while defending your actions in court.

The benefits of CCW insurance far outweigh the cost of enrolment. While it may be difficult to determine which level of coverage is needed, it is important to strongly consider CCW insurance to protect yourself from the legal and financial risks associated with self-defence incidents.

CCW insurance is not the same as homeowners insurance

Homeowners' policies do not provide coverage for "intentional acts" or "criminal acts". In State Farm Fire and Cas. Co. v. Marshall, 554 So. 2d 504 (Florida 1989), the court held the intentional acts exclusion applied to prevent insurance coverage when a homeowner shot and injured an attacker in his bedroom. Homeowners' insurance companies routinely enforce these exclusions against policyholders.

CCW insurance works differently from homeowners insurance. It won’t protect you if someone slips and falls on your front steps. But it can protect you if you have to use your firearm, or any other weapon, in a life-or-death situation. Specifically, it ensures someone acting under a claim of right in the defense of his or her life or the life of a loved one. It may also provide an experienced attorney paid for by the insurer.

Criminal & Civil Liability

In most cases — with a few exceptions in the gun-unfriendly states — a person who shoots and kills an intruder or attacker is rarely criminally charged. But the decision to charge is made on the basis of the police investigation. That interrogation can be scary and is often done in the immediate aftermath of the shooting.

If you have taken the USCCA’s Concealed Carry & Home Defense Fundamentals Class, you’ll have covered how to handle the legal aftermath of a self-defense scenario and some of the biological responses your body has to a high-stress event. After a self-defense shooting, you are unlikely to be thinking clearly. Any time you are attacked, your body dumps adrenaline into your blood. These stress hormones, in effect, cause a chemical injury to the brain. Your recall and ability to explain things will be affected. Having time to meet with an experienced attorney and have him or her help you record your recollections before giving a statement to the police will be instrumental in retaining your freedom.

CCW insurance provides legal protection if you use a firearm or other weapon in self-defence

CCW insurance is designed to help cover the legal fees that can accrue in the case of you drawing your firearm in self-defence. The fees that arise from these kinds of situations can be large and extremely intimidating. Even small cases that end up getting dropped without going to trial can cost over $10,000 between bail, attorney fees, and more. A full-blown murder charge can easily cost over $500,000.

CCW insurance typically provides coverage for your legal representation and defence in the event that you're subject to a criminal investigation, which is common following a self-defence incident. Such policies may also provide coverage for your defence in civil court proceedings stemming from the self-defence act.

CCW insurance can also provide physical, financial, and emotional support. This includes holistic coverage that addresses the emotional and mental side of a critical self-defence incident with added peer support and licensed psychologists for both you and your family.

When choosing a CCW insurance provider, it is important to consider the following:

• Criminal defence assistance
• Civil defence assistance
• Up-front or deferred compensation
• Exclusions and disqualifications
• Deductibles or caps on coverage
• Customer service availability
• The option to choose your own lawyer versus drawing from a pool
• Coast-to-coast coverage

While CCW insurance is not required by law, it is worth considering to protect yourself from the legal and financial risks associated with self-defence.

CCW insurance can help cover legal fees, which can cost tens of thousands of dollars

CCW insurance is a specialised policy designed to provide legal protection and coverage for individuals who use a firearm in self-defence situations. It is a relatively new concept, bred from the rising number of registered concealed carry permit holders in the United States.

The legal fees that can arise from using a firearm in self-defence can be extremely high and intimidating. They can include attorney fees, bail, expert witnesses, investigators, trial exhibits, and other related expenses. Even small cases that are dropped without going to trial can cost over $10,000, while a full-blown murder charge can easily cost over $500,000. CCW insurance can help cover these legal fees, which can cost tens of thousands of dollars and cause financial ruin.

CCW insurance typically provides coverage for your legal representation and defence in the event that you're subject to a criminal investigation, which is common following a self-defence incident. Such policies may also provide coverage for your defence in civil court proceedings stemming from the self-defence act. Even if no criminal malfeasance is found, the aggressor or their surviving family may seek compensation in a civil court.

CCW insurance providers offer varying levels of service and operation. Some provide funds for legal defence upfront, while others compensate policyholders only after the case has been settled. Some providers do not offer financial assistance at all but instead provide access to a network of on-call lawyers who specialise in self-defence or firearms litigation.

The monthly base plan may be perfect for some, but there are also optional additions to cover other areas of a gun owner's life, such as identity theft coverage, hunter/angler legal assistance, bail bond and expert witness fee protection, multi-state coverage, and spouse or other family member coverage.

The benefits of CCW insurance far outweigh the cost of enrolment. It is a worthwhile investment as a legal part of a lawful self-defence or CCW plan.

CCW insurance can provide support after the psychological stress of a self-defence incident

CCW insurance can help you cover the cost of bail, which can be extremely high. For example, CCW Safe provides bail bond coverage of up to $1 million. The stress of finding such a large amount of money can be overwhelming, and CCW insurance can provide crucial financial support during this difficult time.

In addition to financial support, CCW insurance can also connect you with a network of legal professionals who can provide guidance and assistance. CCW Safe, for instance, provides access to top legal counsel and experienced homicide investigators who can help you navigate the complex legal process. This can be invaluable in reducing the stress and uncertainty that comes with a self-defence incident.

Furthermore, CCW insurance can offer emotional support to help you cope with the psychological impact of the incident. CCW Safe, in particular, recognises the importance of emotional and mental well-being and offers peer support and licensed psychologists for both you and your family. This aspect of CCW insurance is often overlooked, but it is crucial in helping you recover from the trauma and stress of a self-defence incident.

While the legal and financial aspects of CCW insurance are important, the emotional support it provides should not be underestimated. The ability to access mental health professionals who understand the unique challenges of a self-defence incident can be invaluable in your recovery.

Overall, CCW insurance can provide comprehensive support after a self-defence incident, helping to reduce the psychological stress and ensuring that you have the resources and assistance needed to navigate the challenging aftermath.

Frequently asked questions