Do you Need Carry Insurance? Lawyer Andrew Branca shoots us straight

Should you get CCW insurance in case the worst should happen and you need to defend yourself with a gun? If so, which CCW insurance is the right call for you? In this video, Andrew Branca, the author of The Law of Self Defense answers these questions. Andrew Branca has been a lawyer for 25 years, a Master competitive shooter, a former student of mentee of Massad Ayoob, a renowned author, and hosts the Law of Self Defense Show. In this video we also compare the following insurance options: (1) CCW Safe Insurance, (2) USCCA Carry Insurance, and the Armed Citizen's Legal Defense Network Insurance. Additionally, we give mention to Carry Guard insurance.

Video Recorded with:

[scaler]

$376, 000!!! Did I get your attention? I was involved in a deadly encounter in one of the most anti-gun states in the union. I was young, ignorant of many laws, and new to CCW. I survived the unfortunate incident unhurt, but shaken. The aggressor did not, and considering his DNA and fingerprints were tied to several armed robberies and murders up and down the eastern seaboard, I was lucky to say the least.The aftermath took more than 6 extremely stressful months. I was fortunate that a lawyer sympathetic to my plight took my case pro-bono, but despite that, it took 12 round trips from the Midwest to the east coast, 6 nights in jail, more than a month and a half off work, and over $376K to get me out of that situation. If I would've had to pay for the representation too, my lawyer said it would cost me nearly half a million. All that and I still nearly went to prison. I was also dealing with the trauma of my first kill.Get insurance! Get training! Get educated about your weapon, the laws in your state and any state you carry in! Most of all, if you end up in a similar situation, keep your cool, and be respectful. Your life may depend on it. God Bless

[mattwiduch]

The US justice system and self defense:

Exercise your right to the second amendment -but don't plan on using your gun
Always try to difuse the situation -but even showing your gun, which often does disfuse a situation, is aggravated assault
You have a right to defend yourself -but you shouldn't
Stand Your Ground and Castle Doctine -but they don't really matter to a prosecutor
You dont have to retreat -but you probably should
Train with a firearm -but mostly train how to avoid using it
The police are here to protect and serve -but will arrest and try to intimidate you
Killing is morally bad and hard to live with -but make sure if you do shoot, you kill the perp because otherwise they will lie about you and try to further destroy your life
Your life is priceless -but make sure you have at least 300-500k

Sound about right? Shit.

[tim]

Lesson here is: Poor people can't afford to adequately defend themselves in court. The system is broken, very sad.

[mariannefischer]

A lawyer recently reviewed the USCCA policy. In it he found three worrying loopholes.
First, if the prosecutor charges you with a crime, the insurance company is not bound to honor the contract unless they choose to.
Second, if the prosecutor brings a basket of lesser charges, as they always do, and you cut a deal on any of them to get them out of the way, you have just convicted yourself of a crime, and the insurance lapses.
Third, if you are found guilty of a crime, you owe the insurance company all the money they spent on your defense.

[matthewk]

I heard that in Britain the accused is reimbursed if found not guilty. Maybe that would slow down the idiots from prosecuting innocent people.

[trottheblackdog]

So a prosecutor will happily financially destroy someone they know to be innocent in order to prove a legal point. Got it.

[johnbravo]

It's a sad day when you have to be insured to defend yourself or others. This country is screwed beyond recovery

[EEDad]

John, it's time to update this video as so much can change since this first came out 4 years ago. Thanks for everything you do!

[rongants]

In America, you are entitled to all the justice you can afford.

[MkSpitfireGuy]

As a graduate of Andrew's Level 1 class, I can say: Get. This. Book. At least, get the book. Better, take the class, or get the video version for your state. Andrew is an awesome instructor, he breaks a very complex subject down into understandable bits and explains them very well and very thoroughly.

[PreacherwithoutaPulpit]

If this one discussion doesn't point out our Two Tiered Legal System to you, nothing will.
The actual fair/blind Rule of Law is dead in this Nation.
Law Abiding Citizens have to buy insurance, (legalized extortion), in order to protect themselves from unethical prosecution.

[Heather-xmul]

I remember taking a self defense class (basic, no firearms or knives) and they ran us through some scenarios throughout the sessions, including one that was in the dark. I landed an extremely lucky punch on one "assailant" and actually knocked him out for a moment. The second attacker got me, but I was able to fight him off and eventually got the upper hand, when I "won" and could get away, I kept fighting. I wailed on that guy, who had protective gear on, until I ran out of adrenaline. The cop there assisting informed the group that my behavior made me the aggressor, and I would absolutely be facing charges if that was real, and would likely get convicted.
Neutralizing the threat is just too mean according to our current "justice" system.

[Julian-bqqv]

I found one thing that really hit me - 'being judged by a jury of your ^peers^." There is no assurance that they ARE your peers; your peers will be familiar with firearms, terminology, threat levels and so on. But the 'average' community in many places, does not have a consistent understanding of this. You would have a different jury in, say, southern Cali, as opposed to abilene TX.

[fredastaire]

This is absolutely terrifying!

Either you lose your life in self-defense...or you can get a manslaughter conviction for 20+ years...and lose your life for protecting yourself.

[geoff_tac]

This is why the NRA shouldn't be selling insurance, they should be working to change the law so insurance isn't a requirement. Its a money making machine though and that isn't going to happen. People need to wake up if they consider themselves free.

[chesshead]

John, you should have a video discussion with the Attorneys On Retainer. They are also offering a self-defense legal protection program. Their program is unique because they are a law firm.

[rongants]

Excellent information.
This discussion confirms my decision on WHO I will defend:
-Me.
-My family.
No one else.

[allreadynotinuse]

Its sad we have let lawyers give criminals more rights than the 98 % of us you obey the law .

[phillhuddleston]

I though carry insurance was a spare magazine.

[DavidV]

I have chosen CCW Safe because USCCA apparently will require you to reimburse for all expenses if you are found guilty where CCW Safe pays no matter what. Glad to be corrected if I am wrong however I recently read the terms of both. Brilliant video and absolutely a valuable resource for your subscribers!