CCW Safe, a popular self-defense legal coverage provider, has updated its membership agreement.
The marketplace for what is often referred to by the concealed carry community as “self-defense insurance” is competitive with several companies offering compelling plans including CCW Safe which to be transparent is my favorite and the company of which I am personally a member.
I'm very excited about these changes.
The General Idea
CCW Safe, on paper in their membership agreement, had a handful of restrictions or perhaps I should call them potential restrictions that they never followed.
Clauses that gave them a potential out to restrict coverage to a member under various conditions (to be specified below) that in practice they never followed. In practice CCW Safe ignored these potential restrictions and covered their members no matter what.
So, these changes are intended to remove on paper the restrictions that they were already ignoring or choosing not to apply anyway.
In effect, this means there is no change to how they act or how they cover their members but it does make the written agreement congruent with their actions by removing those potential restrictions.
At the risk of being redundant, I want to emphasize that my experience of their coverage and by their own account they have been covering all members in all self-defense situations regardless of these potential “outs” up to this point and this change is just to make the agreement consistent with their actions.
What Restrictions Were Removed?
Domestic Incidents: Previously the agreement had a clause that allowed CCW Safe to choose to not cover a self-defense incident if it took place between family. Now you don't have to worry about this at all as it has been struck from the agreement.
Expired Permits: On some plans they previously had the option to restrict coverage if your permit had expired since the possession of a valid permit is a requirement for some plans. That is no longer in the agreement and now a lapse in your permit validity doesn't put you at risk of not being covered.
Commission of a Crime: The agreement previously could have restricted coverage if you were involved in a self-defense incident while in the commission of a crime. Not anymore.
Under the Influence: Previously the agreement could have restricted coverage if you were under the influence of a legal or illegal drug or substance. No longer in the agreement!
A New Added Benefit
Members who have the Ultimate and Freedom Plans now receive a new membership benefit which I think is unique to CCW Safe but perhaps you'll see some of the competition add this benefit in the future.
If you have an “unintentional incident occurring during a TSA screening of your carry-on bags” in which you are found with a gun or ammunition then you potentially are going to face legal consequences and your CCW Safe membership would kick in to support you in and cover your expenses up to $10,000 in attorney fees per occurrence to help defend against that.
In Conclusion, this update to the CCW Safe member agreement removes language and clauses that previously provided some circumstances in which CCW Safe could have withheld coverage but never did. Now the agreement is congruent with their policy and actions and those clauses are hopefully no longer a concern to those whom previously looked over CCW Safe because of them.