What is concealed carry insurance or coverage?
is an insurance policy or membership intended to help cover your legal fees in the case of you drawing your firearm in self defense.
These fees can include attorney fees, bail, expert witnesses, investigators, trial exhibits, and other related expenses.
Even if you are 100% innocent you can still be arrested and charged with a crime when using your firearm in self defense. It happens more often than you might think.
Who needs concealed carry insurance?
That’s like asking who needs medical insurance or car insurance or life insurance. You don’t need it until you need it.
Ultimately this is a personal question that you have to answer but in my opinion if you are going to carry concealed every day then YES…
YOU Need CCW Coverage.
What does CCW Insurance actually cover?
That depends on the provider and coverage you choose. Every provider is different and offers a different basket of services.
There are some critical things to look for that we will cover below.
Will CCW Insurance cover me if I’m convicted?
Again that depends on the insurance provider you choose. Some providers will cover your legal expenses regardless of the outcome of the case (all of them that I found require your use of a firearm to be in self defense before accepting your claim. They will not provide assistance if you murder someone in cold blood or during the commission of a crime obviously).
Some providers only cover your fees after the trial and only if you are not convicted.
This is a major issue if you don’t have money to fight your case in court to begin with. If the most you can come up with is $20,000 to fight your case you’re not going to have much of a defense especially in a murder trial.
The “reimbursement” model is not a good model for coverage so beware of policies that operate on this model.
How much coverage do I really need?
This is a big one. When I started my research I had no idea how much a case can cost. Even a small case that ends up getting dropped without ever going to trial can cost $10,000 between bail, attorney fees, etc.
A murder charge that goes to trial can easily cost over $500,000.
While doing research I learned about the case of North Carolina vs. Steve Maddox.
Mr. Maddox was at a party and was attacked multiple times by a 300lb man before he finally fired in self defense killing his attacker.
He immediately reported the shooting by calling 911. He cooperated with police. But at the end of the day Mr. Maddox was charged with first degree murder.
After being arrested Mr. Maddox was held without bond. The attorneys who were hired to represent him petitioned the court and overturned that ruling. His bond was set at $500,000 (it cost him $37,000 or 6% of his bond just to get out of jail).
After word of the shooting spread he was promptly fired from his job. He had bills to pay. He did not have the kind of money that would be required to fight a murder trial.
CCW Safe immediately deployed their critical response team to North Carolina where Mr. Maddox was charged. The team helped find a local self defense attorney who knew his way around the local legal system.
They worked with a local bond agent and got him out on just 6% of his $500,000 bond ($37,000). Then they went to work on his defense.
His attorneys worked with the police department and prosecutors to prove his innocence and get the charges dropped. Everyone on Mr. Maddox’s team was confident the charges would be dropped without having to go to trial.
But they were wrong, the prosecutor did not drop the charges and Mr. Maddox and his legal team had to go to trial.
Mr. Maddox managed to survive a fight for his life using his firearm, but now he faced another fight for his life in court.
During the trial Mr. Maddox’s legal team brought in expert witnesses. They also brought in attorney Don West as a consultant to the attorney’s fighting the case (Don West is one of the attorneys who successfully defended George Zimmerman in the fatal shooting of Trayvon Martin).
In the end the system worked and the jury fully acquitted Mr. Maddox of all charges, including lesser charges, after just 2 hours of deliberation. (apparently it was clear to the jury that Mr. Maddox was innocent. Why didn't the prosecutor see it?)
Mr. Maddox would not have been able to afford that type of legal defense on his own. Thanks to his legal service membership with CCW Safe he was able to properly fight this case to the end.
In total his case cost more than $350,000. The trial lasted just two weeks.
Had Mr. Maddox not had coverage things could have turned out differently. He was facing life in prison.
This is a scary example but a true example of how our legal system works. You are not innocent until proven guilty, especially in a self defense case.
You can be arrested, charged, and your life can be ruined before you are ever proven innocent in a court of law.
So to circle back to the question of “How much coverage do I really need?” the answer is, it depends on the situation.
Maybe $10,000 will cover it if it's not a murder case. Maybe $100,000 is what it takes. Maybe $500,000. You won’t know until you’re there.
I’ve been told by several attorneys that a murder case that goes to trial will cost between $250,000 - $500,000 generally but can go above that depending on the circumstances.