Welcome to DC!

Well, you'll get a lot of opinions here, but I'll specifically note:

1) These are service contracts not insurance;

2) The NRA has new products available backed by the NRA;

3) We don't allow shills or pseudo posts serving as mere marketing tools here at DC; :wink:

4) Welcome to DC! :wave:


I don't follow any of this much, so other than that, but I'd note, if they can't respond to e-mails timely I would take that as a warning. :aargh4:

 

Welcome to DC!

Well, you'll get a lot of opinions here, but I'll specifically note:

1) These are service contracts not insurance;

2) The NRA has new products available backed by the NRA;

3) We don't allow shills or pseudo posts serving as mere marketing tools here at DC; 😉

4) Welcome to DC! 👋


I don't follow any of this much, so other than that, but I'd note, if they can't respond to e-mails timely I would take that as a warning. :aargh4:

A service contract that stipulates that they (the contractor) will provide legal coverage to the contractee.

 

Welcome to the forum, Modifiedamerica. There are many posts concerning the various vendors relating to carry insurance here, including breakdowns of costs/benefits, etc. Good luck with your decision. As you noted, it is the responsible thing to do.

 

After much research and confusion I decided to go with CCW Safe. Like all of them they will review your case early on and decide if they will represent you. Meaning is it pretty well established you were justified. These cases come up so rarely it seems there are not many real case examples with these companies. My thought on this was for the small amount of money it cost to have something, anything really, and the large cost to be prosecuted it's worth having something like this. And today a prosecutor is most likely going to prosecute if for no other reason than to have someone else, other than them, decide the justification. Keep in mind, this is NOT insurance and they get to decide their representation. One thing to do is check your homeowners insurance first. I also have an umbrella policy that does cover me if it is justified. It's funny, they put it in the exclusions portion and then say it's covered if justified. What seems to be covered is the civil liability however, not the criminal.

 

So your saying even if you pay your yearly fee they’ve still have the option to represent your or not? I would assume if it’s a self defense shooting then they would represent you.

 

Thank you all!

 

I 100% agree on even if it’s for a false sense of security. Which plan did you go with? And did you add the civil liability coverage?

 

I don't know about your state or your situation, But I would first check with your Homeowners policy. They may already cover most of what you would get from a CCW carrier. Or they may be able to offer you a simple rider to your policy. Your homeowners policy already has a vested interest in you [and keeping you out of jail!] DR

 

I have a little experience with them. I am their Critical Response Coordinator. Let me know if I can answer any questions.

I doubt most homeowners would cover situations outside the home. You might want to check with your agent. I know our member in NC who was charged with murder was not covered by homeowners policy as the situation occurred in a public venue.

 

And as in the Maddox case in NC our member was arrested before indictment. Originally held on no bond. So the defense expenses started with in hours. Attorneys for a bond hearing. Bond was set at $500k about a week later. We received a good premium and still paid over $37,000 before the charges were filed.

A lot of what I see bantered on forums involves theory and speculation. I can tell you first hand and from experience what happens.

 

Concerned about major changes in scope of protection

CCW Safe recently changed their product lineup to, for example, increase the minimum bail they cover. At the same time, they added new limitations on the incidents they will cover, and now or very recently added additional limitations to their Terms of Service, which I assume apply to their previous grandfathered products. Combined, the ones likely to be relevant to many of us are, cut and pasted from their website, my additions in (), emphasis added for one limitation that's now a very hot area:

• incident(s) involving you and a current or former member of the household, including, but not limited to, a spouse, former spouse, adult or minor child, or involving those in a current or former dating relationship as defined in applicable state law.
• Force used against people who are in your house with permission or invite (just in the new plans)
• if, at the time of a use of force incident, you are impaired in public or private property not of your own, by the use of alcohol, or controlled substances, or prescribed medication that alters judgment, or in any location you are in violation of state law or regulation concerning alcohol and drug use while in the possession of a firearm. This restriction is specific to any public place or private property of your own.
• any on-duty incidents or extra-duty security incidents to include, but not limited to, police officers, private investigators, correction officers, security guards, security forces, church security teams, bond agents, private investigators or military personnel, whether paid or volunteer.

 

jmbpbuh those limitations have not changed. We have never covered work related incidents. It is also covered in our FAQ page. https://ccwsafe.com/faq

and the rest of the paragraph following what you posted explains.

On-duty coverage shall be covered by the employing agency or the organization for whom the individual is working or volunteering. This includes all those hired to protect a location, individual or group, personal property and any other similar services. CCW Safe does not take the place of the employer or organization, who has a duty to defend the actions of its employee/agent officer. If a use of force incident is found to be outside the course and scope of employment, then CCW Safe would perform a coverage analysis to determine what coverage, if any, applies. CCW Safe will not provide the services for a Covered Member in violation of any restriction written in a plan description.

 

I have been researching CCW Safe and other similar products and had the following question:
Does anyone know how many actual criminal cases CCW Safe has actually taken to trial?

 

I’ve been a concealed carrier for 3 years now. I live in Indiana. We do have a stand your ground law. But in the case I were to still get charged with something, a civil matter I would assume, ( I’m still trying to research this subject as I honestly never gave it much thought) I don’t know if In Indiana I wold be protected. I believe is some States I would be. Which brings up to to ccw safe. Out of all them they seem to be the most professional, from looks, to their YouTube videos ect. Also they just posted the Stephen Maddox case which gives me confidence in them as well. I was wondering if anyone has any insight on the company, has anyone personally talked with company, any experiences at all? I feel as they are al kind of a touchy subject as far as what they cover and don’t. If they actually cover anything at all. I think I have read negatives about all them, more like a “scam” but these are just peoples opinions. I’d rather be safe then sorry and even if it’s just for piece of mind. But at the same time don’t have money just to waste. Also do we have a ccw safe reps or spokesman’s in the forum that could comment? I’ve emailed the company a few times over the past 2-3 days and still have not gotten an email back which does put me off already. Thanks everyone.

I have asked a lawyer about these company’s . I know he does not have to much info about these. He said it looks like a scam. He said you seems to get a lot for little money. a million dollar policy for $150 a year. Think twice

 

Don't think he cares. Five year old thread.

 

I work for CCW Safe and can answer questions if needed. You can email me at gary@ccwsafe.com. Or by phone 405-724-8960

Not sure how a scam can operate for 12 years without being shut down. There are several companies in this industry and all do what they say they will. We just think we are the best. We are the only company to my knowledge that has defended a member charged with murder following a self defense from incident through murder trial. Our defense coverage is unlimited. In that case we spent $400K.

 

I work for CCW Safe and can answer questions if needed. You can email me at gary@ccwsafe.com. Or by phone 405-724-8960

Not sure how a scam can operate for 12 years without being shut down. There are several companies in this industry and all do what they say they will. We just think we are the best. We are the only company to my knowledge that has defended a member charged with murder following a self defense from incident through murder trial. Our defense coverage is unlimited. In that case we spent $400K.

Thanks for posting. Do you know how many cases CCW has defended, including those that hadn’t gone to trial and were no-billed or dismissed by the prosecution? And of those, do you know how many CCW defended at trial?

 

All plans like this are going to have exclusions. They have to in order to be able to control their risk. There are always going to be things they cover and things they don't just like insurance. For instance, my homeowner's insurance will cover the loss of the food in my freezer if the power goes out. But it won't cover it if the compressor on the freezer quits.

I looked very carefully at all the major plans before I chose. First, I decided what I wanted covered and what exclusions I could not live with and I listed them. Then I looked at each plan for how it stood on each item. Some dropped off the list just on that comparison. I think it is important to not get distracted by "bells and whistles" plans offer, such as gun replacement, training, counseling, etc. I'm not saying those things aren't useful, but the essentials are what is important.

Then I looked at the companies themselves. How long have they been in operation? How big are they? Do they have any lawsuits against them, whether by customers or the government? Do they show cases where they have actually defended people?

I finally chose CCW Safe Ultimate. My reasons were:

• They have actually defended someone through to an acquittal on a first degree murder charge. The guy they defended said they did a great job and he was not out of pocket for any of his defense. It was a two year ordeal where hundreds of thousands of dollars were expended. No other plan I found at the time had such a case study. And I am no lawyer, but I read the account of the shooting that guy was involved in. IMHO, it was not a clear case. There were elements of it that I think could have caused a company to deny coverage, but CCW Safe didn't.
• The actual legal defense coverage has no limits, no out of pocket and no "take backs."
• They have very good coverage for both civil defense and civil awards.
• They have very good coverage for bail.
• You can choose your own lawyer, but they have to approve of them, or they will get you one.
• They have an acceptable policy on gun free zones. There are limits there, but they are reasonable for me.
• They cover red flags brought against me.
• I've found they have good customer service. They answer my questions.

The only concern someone might have, I think, is the exclusion for defending yourself against immediate family and/or someone living in your house with your permission. I decided that was not an issue for me personally, but it might be for some. My advice is if you think you have anyone in your family or in your house who might put you in that situation, deal with it now.

Once I made my selection, which I have had for a few years now, I have found that CCW Safe does have some nice "bells and whistles" even though I did not make them decision points in my selection.

Some people say "I'd rather be tried by 12 than carried by six." I consider that BS. I don't think it should be a choice. I don't want to be killed by a bad guy, but I also don't want to go to prison and/or lose my life savings because I defended myself against a bad guy. And I have read about too many instances where those things have happened. I figure no plan is perfect, just like no insurance is perfect. But I want to minimize my risk in on all those counts.

 

Excellent info. Thanks.

 

I used USCCA for two years and was never quite sure what they would and would not cover. Very good sales presentations but short of substance even after I joined. I switched to CCW Safe and now have a written document that explains what will not be covered.

 

This won't win a case by itself, but they also have first rate customer service. I called up the CS line a good while back wanting to change the date my payment would be taken.

A very nice lady answered on the second ring (no menus to wade through was already awesome). I asked if I could change my date, not necessarily expecting much, and she said "Sure. What day would be good for you?" I told her, she said one moment, I heard her keyboard clicking away and she said "All set. Let us know if there's anything else we can do." My payment day has been that day ever since

I thanked her and hung up a little stunned. I don't think it took 5 minutes

Like I say, that won't win a case, but it sure does make a highly favorable impression. NOTHING is that easy anymore.

 

6 years old and if the OP hasn't figured it out by now, with his less than 5 posts on the Forum, well, then.

 

The information might still be useful to somebody else though

 

Good point. This topic comes up from time to time.

 

.

 

I have CCW and their Ultimate plan for myself and for my spouse. I’ve been w/ them at least four years. I reside in the Southwestern United States. I am handicapped and can no longer run. A young man (20 something ) drove through the U-shaped culdesac where my home is at 30 mph - around the culdesac faster than the posted limit for the Main Street - and almost ran me over. The guy stopped and then started moving forward again. . He saw my firearm as I was pulling my shirt over it as I walked across the street to my son’s car to go to dinner. Understand that I’ve been hit by careless drivers four times. The man then flipped off me and my family and drove off. He lives w/ his mother about two blocks away. Apparently he went and cried to his mother and the police came to my house and charged me w/ brandishing. They did not check the young man for history, ask why he was speeding through a culdesac where he does not live, in a badly banged up car w/ Florida tags that expired 18 months ago. I called CCW Safe. The attorney on call said he would find and refer me to an attorney that they would pay for. It’s been nearly a month and they not only have not done so, they are now encouraging me to find my own criminal attorney at my own expense. So, I am not impressed and have may end up suing them for breach of contract and/or false advertising as their literature says “Self defense related events”.

PS - I’m a family man. I have never had any legal issues besides a few speeding tickets and a divorce.

...and you came here with a first post to bash a company? Not deep on credibility.

 

Members here are not going to play "judge & jury" by hearing only some one sided testimonial evidence with zero means of garnering any "off forum" verification of some brandishing scenario posted in a resurrected zombie forum thread.

While we can all hope that things work out for the best for you IF events have transpired exactly as you've posted, this is honestly not an ideal place for forum members to weigh in on your incident specifics.

We are a forum chock full of multitudes of various personal opinions on numerous topics & you have posted yours here in a very old forum thread.

The thread topic was requesting an opinion on a particular company. You have posted your opinion.
Your opinion has been noted but, we are not now going to try your case.

Your personal opinion has been allowed to remain & we will end it here with a closure of this old thread.

It's no longer possible to moderate this this thread with any semblance of fairness & integrity to either party.
This thread is now closed to further comments.

Peace Out.👍