Delaware Concealed Carry Forum

CCW Methods & Issues => General CCW Discussion => Topic started by: Grettski on November 03, 2016, 03:36:00 PM

Title: Insurance
Post by: Grettski on November 03, 2016, 03:36:00 PM
Last night I was reading in a different forum about a guy that got pulled over while carrying in Minneapolis. The car he was in matched the description of one that was involved in a shooting. The encounter actually turned out good, but he mentioned that he has CCW insurance. Other people posted that they also had insurance and had used it to get a lawyer.

So I was wondering your thoughts about CCW insurance. Do you have it and/or what are your thoughts about it?
Title: Re: Insurance
Post by: Cbmarine on November 03, 2016, 06:39:29 PM
 Consider CCWSafe (http://www.ccwsafe.com). Watch their Next Fight videos featuring Don West, a
GZ defense lawyer. Vet discount available. No hard sell.
Title: Re: Insurance
Post by: RetCapt1994 on November 04, 2016, 12:13:24 AM
I just renewed my plan with CCWSAFE.com. Several of my friends who live in other states also use them. Never had a problem with them. My plan is $149.00 for the yr. They now offer a plan for homeowners that do not have a CCW permit but want to be covered when in home defense.
Title: Re: Insurance
Post by: groundgrid on November 04, 2016, 03:15:52 AM
Add my vote for CCWSafe. What you will need most in a bad situation is an experienced attorney. They not only pay the lawyer's fees but also will provide an attorney to handle your case 24/7.

If you are a member, you are automatically represented by an attorney. The police are therefore barred from questioning you. Imagine its 2AM & you are forced to defend yourself. Where are you going to find a guaranteed 2A friendly lawyer?

Title: Re: Insurance
Post by: FreakShow on November 04, 2016, 02:11:35 PM
what dos it cover?
Title: Re: Insurance
Post by: Fishhunter911 on November 04, 2016, 02:36:06 PM
I have been looking into getting ccwsafe as well. Looks to be a great coverage should it hit the fan.
Title: Re: Insurance
Post by: coolwrld on November 04, 2016, 02:45:18 PM
I to have also been weighing CCWSafe or USCCA and haven't been able to make up my mind as of yet. 
Title: Re: Insurance
Post by: topper on November 04, 2016, 03:30:25 PM
I looked at several carriers, and I liked USCCA.
Title: Re: Insurance
Post by: groundgrid on November 04, 2016, 05:01:24 PM
CCWsafe covers legal fees & not liability in the event that you are sued like some of the others do.
Many of the others have unacceptably low limits on the legal fees that are covered or expect you to find & pay for your own attorney.

Because of various hobbies, I have always had Umbrella coverage added onto my homeowners policy. This will cover liability claims due to shooting accidents. Most policies will exclude claims made in the process of committing a crime or an intentional act so it becomes very important to have a good lawyer. I was told by both my lawyer and insurance agent that injuries to others caused when acting in self defense, if done within the scope of the law, are not considered intentional. You will need to check with your insurance company & attorney to see what your policy will cover.

The added benefit of the Umbrella coverage is that it will cover accidents that occur at the range, while hunting or even if your dog bites someone. Most CCW insurance will not cover these.
Title: Re: Insurance
Post by: RetCapt1994 on November 04, 2016, 07:47:48 PM
what dos it cover?
     Freak, go on the website and you will get the info you asked about. www.ccwsafe.com     
Title: Re: Insurance
Post by: Grettski on November 04, 2016, 08:01:13 PM
Thanks very much everyone. The wife and I are checking it all out. Sounds like a good investment.
Title: Re: Insurance
Post by: FreakShow on November 04, 2016, 08:11:17 PM
CCWsafe covers legal fees & not liability in the event that you are sued like some of the others do.
Many of the others have unacceptably low limits on the legal fees that are covered or expect you to find & pay for your own attorney.

Because of various hobbies, I have always had Umbrella coverage added onto my homeowners policy. This will cover liability claims due to shooting accidents. Most policies will exclude claims made in the process of committing a crime or an intentional act so it becomes very important to have a good lawyer. I was told by both my lawyer and insurance agent that injuries to others caused when acting in self defense, if done within the scope of the law, are not considered intentional. You will need to check with your insurance company & attorney to see what your policy will cover.

The added benefit of the Umbrella coverage is that it will cover accidents that occur at the range, while hunting or even if your dog bites someone. Most CCW insurance will not cover these.

Thanks for answering my question
Title: Re: Insurance
Post by: MarcWinkman on November 07, 2016, 07:29:34 PM
Hmmm.  I thought that these were just lawyer referral services.  If they're covering all legal costs though, that opens up a whole other host of questions for me.
Title: Re: Insurance
Post by: ChrisCar on November 08, 2016, 12:50:03 AM
Echo what Ground said about an umbrella policy.    

In addition, check out the Armed Citizen's Legal Defense Network.  Seemed to be the best option for me.  armedcitizensnetwork.org (http://armedcitizensnetwork.org)
Title: Re: Insurance
Post by: MarcWinkman on November 08, 2016, 03:07:58 PM
Doesn't really reassure me much.  The various laws being what they are, and this coming from a lawyer, I'd like to know how the attorney situation through these services, whichever one you choose, works.  Are you obligated to use the attorney of their choosing or are you able to seek out your own attorney and have them pick up the tab?  I for one will say this, even though I practice in the area of criminal defense, if the situation were to arise that I had to defend myself and wound up facing a criminal or civil jury, I'd feel much better placing my fate in the hands of one of my trusted colleagues rather than trying my own case.  After all, an attorney who represents himself has a fool for a client. 

That also brings me to the question of the services' attorney's qualifications.  Are these folks that they have on staff who are admitted to practice in a number of jurisdictions by way of reciprocity or having passed the bar and then just staying in good standing by keeping current on their continuing education requirements and not getting jammed up on their annual registration, or are they in fact folks that live and breathe litigation in the specific jurisdiction.  For me, there's just way too many questions that remain unanswered even after looking over the policy contract that's online when you add to cart. 
Title: Re: Insurance
Post by: RetCapt1994 on November 08, 2016, 03:50:33 PM
CCWSAFE was founded and is still operated by former law enforcement who became attorneys. I was guided to CCWSAFE by a law enforcement org. that I am a member. There is no perfect plan but for me at this time they will do.
Title: Re: Insurance
Post by: MarcWinkman on November 08, 2016, 10:28:07 PM
It still leaves unresolved the issue of how much the CCWSAFE, etc attorneys actually practice where they are dispatched.  I would feel a lot better knowing more of the ins and outs there and would feel better still about putting out the money if I knew that the attorneys that they are using actually earn their living every single day actively practicing law in the jurisdiction where they wind up.  That's just me though.  As with all things, your mileage may/will vary. 
Title: Re: Insurance
Post by: Kilroy08 on November 10, 2016, 02:30:51 PM
If memory serves correctly, in an old post somewhere, Old Grey Geek mentioned that Joe Hurley is $35,000 right off the bat. That makes protecting yourself in the event of a legal self defense action darn near bankrupting.

I went with USCCA, they appear to have the best comprehensive package going. At $30 a month, I just chalk it up as another insurance expense and sleep better at night. They have an established relationship with Andrew Funk in Dover. From what I've read, he's a pretty sharp attorney.
Title: Re: Insurance
Post by: hap_hazzard on November 10, 2016, 08:44:37 PM
Second Call Defense .... they even have "crime scene cleanup" God forbid you are ever forced to defend yourself and make a "mess"

http://www.secondcalldefense.org/

Title: Re: Insurance
Post by: Adrenolin on November 10, 2016, 09:45:31 PM
I've looked at them all and insurance is a ripoff. If I'm not legally forced into it I'll take my chances. I don't go looking for trouble and the likelihood of me ever having to draw or shoot someone is slim. I'll keep my $30+ bucks a month and put it into my investments. In the unlikely event I ever need the money it's a couple shares I sell off. I know not everyone can do that but for me it just makes sense.