Message From CCWSafe to Members, on SB2

[Erion929]

Just got this email from CCWSafe:

As a CCW Safe Member in California, you deserve the best Self Defense Support Team available. With the enactment of SB2 in California many of our members have inquired how this might affect their coverage and membership with CCW Safe. The fact is that SB2 will have no impact on your services from CCW Safe. We will cover you in a Self Defense Incident without regard to SB2. I wanted to communicate with all of our members directly to give you the assurance that we stand with our Members when they are forced to defend themselves or their loved ones.

As always, we are committed to caring for our members with a team of experts, holistic coverage, and personal service. Integrity and Transparency are important items to our members and us as your support team. You can access our Terms of Service at the following link: https://ccwsafe.com/terms-conditions/. We updated the language in November in order to be clear about how we honor our commitments to our members.

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[L84CABO]

Great move on their part!

[Maulerrr]

I don't think anyone was concerned about CCW Safe no longer working in CA or some such. The issue with SB2 is that virtually anywhere outside of one's home is now a senaitive/prohibited place to carry.

CCW Safe has a policy that says they will not offer liability protection to any member who was carrying in a place where it's illegal to do so.

That email doesn't share anything substantive in my opinion. Will CCW Safe cover you if you're involved in a defensive shoot at a newly designated sensitive location like a walmart parking lot or the local park? I doubt it. Their email merely says that nothing about their coverage is changing.

[riderr]

from their T&C
Covered Location means any location where a Covered Member is eligible for Plan services if involved in a Covered Self Defense Use of Force Incident, and is determined by Plan enrollment.

This section is not very descriptive, raises suspicion.

[Maltese Falcon]

from their T&C
Covered Location means any location where a Covered Member is eligible for Plan services if involved in a Covered Self Defense Use of Force Incident, and is determined by Plan enrollment.

This section is not very descriptive, raises suspicion.

I do not have coverage or a legal CCW, but for those that do, it would seem prudent that a well versed contracts attorney take a look see at least casually for the assembled CGN holders. Most standard insurance policies (auto/life/etc) have templates that are generally followed, is there such a beast for this?

Vague criteria leaves lot/s of room for de Nile. Assumptions are not covered. Exemptions should be specifically listed.

That said the situation is fluid so firm answers will likely be non-existent. Good luck.

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[JDoe]

from their T&C
Covered Location means any location where a Covered Member is eligible for Plan services if involved in a Covered Self Defense Use of Force Incident, and is determined by Plan enrollment.

This section is not very descriptive, raises suspicion.

You have to examine the entire T&C. If you read the entire T&C for all the definitions it becomes clear.

[JDoe]

That email doesn't share anything substantive in my opinion. Will CCW Safe cover you if you're involved in a defensive shoot at a newly designated sensitive location like a walmart parking lot or the local park? I doubt it. Their email merely says that nothing about their coverage is changing.

The email literally states that they will cover you in SB2 sensitive locations.

They changed their coverage (T&C) in November 2023 to take into account sensitive location BS across the country.

[Tommyw1952]

It is illegal for an insurance company to cover anything that is a crime and carrying in a sensitive location is a crime so doubtful there is coverage.

[Maulerrr]

The email literally states that they will cover you in SB2 sensitive locations.

They changed their coverage (T&C) in November 2023 to take into account sensitive location BS across the country.

I read it a couple more times and I just don't see it. Yes, CCW Safe will still cover you despite SB2 being active. But the email makes no mention of the myriad of new sensitive (and illegal for carrying) locations. CCW Safe's coverage was never in question, just as with US Law Shield, USCCA, etc. The question is about the new sensitive locations.

Now if CCW Safe just recently changed their policy to disregard all of the new SB2 sensitive locations as you say, then that's wonderful news. I'm just basing my response here on the email they blasted out.

It is illegal for an insurance company to cover anything that is a crime and carrying in a sensitive location is a crime so doubtful there is coverage.

This is why I find that email to be questionable vague. Pretty sure NO ONE is actually covered in the new sensitive locations but the email is purposeful misleading.

[Mute]

I read it a couple more times and I just don't see it. Yes, CCW Safe will still cover you despite SB2 being active. But the email makes no mention of the myriad of new sensitive (and illegal for carrying) locations. CCW Safe's coverage was never in question, just as with US Law Shield, USCCA, etc. The question is about the new sensitive locations.

Now if CCW Safe just recently changed their policy to disregard all of the new SB2 sensitive locations as you say, then that's wonderful news. I'm just basing my response here on the email they blasted out.

They're not going to blast out an email telling their members to disregard the law regardless of whether on not they agree with its Consitutionality.

[OhioGuy]

CCW Safe Email re. SB2

Wasn?t sure where to post this, and I apologize if its already been posted, but I received the following from CCW Safe:

CCW SAFE
As a CCW Safe Member in California, you deserve the best Self Defense Support Team available. With the enactment of SB2 in California many of our members have inquired how this might affect their coverage and membership with CCW Safe.
The fact is that SB2 will have no impact on your services from CCW Safe. We will cover you in a Self Defense Incident without regard to SB2. I wanted to communicate with all of our members directly to give you the assurance that we stand with our Members when they are forced to defend themselves or their loved ones.

[Erion929]

Posts about CCW Safe STILL NOT covering you if carrying illegally in a sensitive place are understandable.

But, their email DOES say “We will cover you in a Self Defense Incident without regard to SB2”…..which appears to be clear.

Lawyer-speak always confuses….so who knows? May need another email clarification, for me…
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[Citadelgrad87]

The email literally states that they will cover you in SB2 sensitive locations.

They changed their coverage (T&C) in November 2023 to take into account sensitive location BS across the country.

Actually, no, it doesn't.

What it says is "The fact is that SB2 will have no impact on your services from CCW Safe. We will cover you in a Self Defense Incident without regard to SB2."

That does NOT say they will cover you in instances of sensitive locations.

I have not and will not read their entire contract, but if the contract says "we will cover you if you are carrying regardless of whether you can legally carry there, the sentence likely means what you said it does.

If the contract says "we will not cover you unless you are in compliance with the terms of your permit," that's totally different.

[Citadelgrad87]

It is illegal for an insurance company to cover anything that is a crime and carrying in a sensitive location is a crime so doubtful there is coverage.

I am not certain these contracts are "insurance" under California law. They very well might be.

[JDoe]

Actually, no, it doesn't.

What it says is "The fact is that SB2 will have no impact on your services from CCW Safe. We will cover you in a Self Defense Incident without regard to SB2."

That does NOT say they will cover you in instances of sensitive locations.

I have not and will not read their entire contract, but if the contract says "we will cover you if you are carrying regardless of whether you can legally carry there, the sentence likely means what you said it does.

If the contract says "we will not cover you unless you are in compliance with the terms of your permit," that's totally different.

The contract says you are covered if, ??the legal defense of justifiable use of force may be lawfully raised, and admissible evidence of self-defense or the defense of another exists.?

You won?t find exclusions if the incident happened in an SB2 forbidden zone.

https://ccwsafe.com/terms-conditions/