Self Defense Insurance – The Legal Brief!

The Legal Brief Ep. 46 – Self Defense Insurance Welcome back to The Legal Brief, the show
where we CRUSH the various legal myths and misinformation surrounding various areas of
the gun world. I’m your host Adam Kraut and today we are
tackling the question whether or not you need self defense insurance and if you do what
to look for. Before we get started it seems as though some
of you are not getting notified that there are new episodes of the show, so if you guys
are enjoying this show and you’re watching on YouTube go ahead and ring that bell next
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“see first” under the following tab. This will make sure that you guys know when
new videos come out. Self defense insurance is a topic that has
come to the forefront of discussion amongst firearms owners in recent years. Things like do I need, what is it, and how
much should I pay for it? Those who choose to carry a firearm for self
defense are usually cognizant of the fact that if they use that gun to defend themselves,
there is likely going to some lawyers involved. And as you all know, lawyers cost money….blood
suckers. Depending on the circumstances, being involved
in a self defense shooting may result in a brief investigation and a determination that
it was justified with no further action or may result in criminal charging, which is
every gun owner’s worst nightmare. And guys…that has happened more than once. Let me preface this with saying that I don’t
endorse any one program that exists. There are a number of factors that you need
to consider when looking at the various programs that are available. As everyone’s circumstances and needs differ,
there is no one size fits all approach. Some of the more popular programs that exist
are USCCA, Second Call Defense, CCW Safe, Firearms Legal Protection, and now the NRA’s
CarryGuard. It is also important to differentiate that
some of the services are insurance and others are prepaid legal services. Insurance typically requires that an individual
either pay a deductible or possibly out of pocket for the entire endeavor with the ability
to be reimbursed on the backend, provided you are found not guilty, charges dropped,
etc. Prepaid legal services pay the attorney up
front for you but likely won’t cover damages if you find yourself in a civil suit. A number of providers offer tiered pricing
for various plans. Depending upon which level you choose, you
receive more services and coverage but for a greater monthly rate. You pay more, you get more, very simple. So what are things you should look for in
a plan? First, it would be wise to determine what
the policy includes as far as financial limits and whether it fits your needs. Are you able to foot the bill for any expenses
that go beyond the coverage? You’ll want to examine the policy to see
if it provides for both criminal and civil coverage. Depending on your state’s law, it may still
be possible to be sued in civil court regardless of the outcome in the criminal proceedings. Remember, OJ Simpson was found not guilty
in his criminal trial but was found guilty in the civil suit brought against him. If the plan does provide coverage, is it only
in the form of attorney’s fees or does it include money for any judgment that might
be rendered against you in a civil suit? Does the policy provide for an attorney up
front all expenses paid? If not, does it only provide for money to
pay for a retainer? Some policies state that they will give you
a certain amount of money, let’s say $250,000 for an attorney, but only actually provide
a small percentage up front for a retainer with the balance being contingent upon acquittal
or charges being dropped? If it is only a small percentage up front
for a retainer, do you have the financial means to pay for things in the interim? Perhaps even more important, do you get to
choose your attorney or is one provided for you? If you get to choose, is it carte blanche
or is it from a network of vetted attorneys? All of these things matter. Does the plan cover more than the use of just
a firearm in self defense? This is one that I think a lot of people overlook. Some plans limit their coverage to only the
use of a firearm, where other plans allow for other items such as knives and even fists
to be used in self defense and still provide coverage. Are you married or living with a significant
other? Do you have children who live with you? Does the plan cover them in the event they
utilize force in a self defense situation? If so, in what instances? If not, is a plan available from that company
that does? Are you able to seek medical treatment (such
as counseling) after being involved in a self defense situation under the plan? Does the plan provide money to replace your
firearm if it is used in self defense and confiscated? While there is no clear cut answer as to the
best program out there, there are a variety of factors you need to consider. I would certainly tell you to not rely on
the endorsement of any gun celebrity or salesperson without doing your own research. At the end of the day, if you end up defending
yourself, you want to be sure that the plan you selected will cover you in the best manner
possible. And besides, it’s your money and possibly
freedom on the line. Hopefully that allows you to make a more informed
decision as to the program you choose. If you guys liked this episode, you know what
to do, hit that like button and share it around with your friends. Be sure to check out my website Remember, if you have a question you want
answered on this show, head over to The Legal Brief section on Don’t forget to like The Gun Collective
on Facebook, Instagram, YouTube, Full 30, Snap Chat and wherever else you can catch
us on social media. And as always thanks for watching! Links for this episode:

67 Replies to “Self Defense Insurance – The Legal Brief!

  1. Trump recently announced the government will be offering chuck Norris insurance. Because you need home,medical,auto,and emotional support after you anger him.

  2. I already have it. me and my wife pay 40 bucks a month. that's with uscca. my plane is loaded covers me civilly and criminally pays for any lawyer that I choose and covers my children under 18.

  3. So, what i get out of this you need to hide the body and hope no one finds out you had to defend yourself,. Hopefully avoiding losing your home or life style to legal fees. Either way it seems to me you lose your life if you defend yourself or let then steal or kill you. Just put flags on your car and home saying I only use lethal force you will die. Will a sign work, like posted signs or lethal force authorized beyond this point? I am a disabled Veteran and live off disability income, how do I afford legal assistance if god forbid I had to defend myself?

  4. Those are all great questions to ask but I can't remember them all. Any chance of a list of those same questions?

  5. Question: What does it mean to be "adjudicated as a mental defective" and "committed to any mental institution"?

    Does it only cover court-mandated stays at a psychiatric facility?
    Does it only include being found "not guilty by reason of insanity" at a criminal trial?

  6. While a decision matrix that shows which plan has which of the attributes Adam mentions would be useful to at least know in sufficient detail how the plans compare, remember that, in the end, every one of these companies is betting their livelihood that they will make a large profit between the revenue they get from memberships (both you and lawyers on the network) versus their total expenses (paying for perqs and those same lawyers on the network), which Adam can tell you can become astronomical rather quickly. Now consider this carefully, my friends: don't they have the strongest possible pressure on them from their board of directors and shareholders to minimize expenses for this very reason? And so what kind of lawyer do you think they're going to provide you? Gerry Spence? You're probably going to get the cheapest available attorney licensed to appear before that state's bar. Even if it's from a large and reputable firm, they're probably going to send their freshest-smelling little puppy. Your likely going to get someone with so little courtroom experience that the other side will be passing knowing glances to the very frazzled judge most of the time. You're probably going to get the legal equivalent of a first-year medical resident doing time in the ER for experience. Another "out" for them are the disqualifying clauses (too many to list). Also — and this is something no one seems to acknowledge — the terms of some of these "plans" may have an incentive for you to be found GUILTY because they won't have to pay back any of the additional monies you've had to pay in on top of your regular membership payments. Now, if I'm wrong about any of this then please let me know — in detail, if you would — but I believe I'm correct.

  7. Insurance where I pay up front, and get reimbursed if case is won? The whole principle of insurance is that you can't afford to replace, or in this case pay for, the thing in the first place. It seems you'd be better off setting money aside, since you'd have to do that anyway.

  8. I'm a member of Armed Citizen's Legal Defense Network. I would have chosen U.S. Law Shield, but there were a couple of items that I just could not reconcile with them.

  9. Excellent topic.

    For the Arizona residents who may view this comment. I would like to suggest Attorney Marc J. Victor. His office offers a retainer program which I highly recommend you examine. He's a former Marine and very big proponent of the 2A community.

    I happen to meet this gentleman many years ago at 'The Crossroads of the West' gun show. He wasn't there to promote himself or anything of that nature. Just another patron browsing the many aisles and buildings that make up the largest gun show in the West.

    We spoke for quite some time and afterwards, before we departed separate ways, he handed me his card. Suggested that I keep it on me at all times and use it if I should ever have the need to use lethal force. I honestly had no idea it was his actual law firm. He earned my business right there in the Class 3 building. I've been a part of his retainer program for years now and it is definitely a comforting feeling. I highly recommend everyone have some sort of safety net.

    Remember: The first call is to your attorney – not your mother.

    Keep up the good work my friends.

  10. @TheGunCollective
    Do you receive snail mail? If so I would love to send you some things, please post your P.O. Box or address.

  11. Adam, great video what I am not clear on is do you recommend that those who carry get coverage. There is a lot of statistics out there that state that the likelihood of having to use deadly force is rather low and of those that do how likely are they to need legal representation? Oh it was a real treat to meet you and have you do my paperwork for my latest suppressor. Rarely do I meet internet celebrities of your caliber;)

  12. I have ccw safe for legal fees and uscca for civil suit insurance. I have ccw safe for legal fees since they cover all legal fees, expert witnesses, re-trial etc and they pay upfront. And if I were to be found guilty they still cover the costs. Uscca legal fee coverage is contingent on you being found not guilty. However, uscca has civil suit insurance and ccw safe does not.

  13. Just another good reason to be broke. Civil suit damage insulation. Short of some dope beanie babies good luck collecting

  14. So if I wanted to make sure the carrier would cover a Prince of a Gun Lawyer who happens to work in my home state of PA….. I should look at?????

  15. Great info, I have tried two different ones over the years. Each year it seems like plans and companies offer different options. Thanks again!

  16. What's the difference between a lawyer on a motorcycle and a vacuum cleaner?

    The vacuum cleaner has its dirt bag on the inside.

  17. It's not really all that helpful to list off a bunch of questions. Picking one thing, even if it's just a fraction of any policy and then analyzing it would be more helpful than the slew of dizzying questions. It at least will provide an understanding of that one thing.

  18. What about a series where you review some of the big ones individually? Or maybe a compare/contrast, like USCCA vs. NRA etc? I think those could help us a great deal.

  19. Seems like having this type of insurance would just be fuel for a sleazy lawyer. It would go something like this. "Why did you get the insurance!? You got it because you knew you'd need it because you intended to get in to a gunfight! You're a blood-thirsty killer!"

  20. No one in their right mind would mess with Chuck in the first place, so he has no need for it. The rest of us, yes.

  21. Option B: Don't be suckered into paying hundreds of dollars a year because of fear of something that will probably never happen to you anyways.

  22. fuck gun laws. they are merely a restriction of my freedom as an american citizen. it is my civic duty to disobey them at all costs!

  23. The NRA's cover would that be like the Life membership I paid for ?? Paid in April/2013 now it's July/2017 and I'm still waiting for it to turn up !

  24. the other question is how does a firearms focused service compare with a general legal service like prepaid legal or legal zoom? given that I likely will never have a situation where a firearm is used but every couple of years need some form of legal advice. What do I gain?

  25. sorry, but this was one of the weaker legal briefs. I'd rather have heard a discussion on the merits of self defense insurance & whether or not having it in the first place makes it seem like you are planning to shoot someone rather than avoiding a shooting.

  26. if it's ruled justified you should immediately have full immunity from any and all legal bullshit from that point on!!! these civil parasites should be shit out of luck!!! and you should demand the sheriff do the investigation!!!

  27. My issue is the NRA being a civil rights movement and advocating for limiting liability laws. Is now selling insurance for their failures to get those laws repealed. That is the ultimate in conflict of interest. Adam, love your video's, even the dry ones!! Thank you for the service you provide.

  28. It was a good breakdown but it would have been even better had you laid out the differences between the big brands you mentioned.

  29. ACLDN (Armed Citizens Legal Defense network) should be the first program you consider, then compare all others against it. Look at the experts who sit on their advisory board, it will tell you a lot. Massad Ayoob in your corner? Yes Please!

  30. The majority of the discussions on this topic still leave much unanswered.
    The FAQ typically is very articulate, and the common person can't make much of a conclusion with the language being used. I've tried to do it myself. My question is, do you know anyone who has used a prepaid legal service. I have US Law shield, I've been considering cutting the service, because it seems like all they do is find an attorney for you, then you have to take it from there. I just can't make much sense of it works, or if it even does. Any instances I found online, were fake, propaganda for the companies. Which leads me to believe, the services being offered are disingenuous and only feed on legal fears.

  31. Sorry, but your video really summed things up by saying there are self defense insurance plans out there and find one that fits your needs and that is it. (You did touch on some points of what these companies offer but we need someone to really get into it and list the pros and cons of these different companies that offer these plans.) Your comments were a Skip to My Lou around stuff most of us all ready knew! I also think everyone should read "Deadly Force" by Massad Ayoob for a real look into what can happen to you in a self defense situation.

  32. Very well done and informative. I've searched and reviewed endless companies and policies and they all seem to have the same type of policies which cover very little if anything up front. Very deceptive. As far a celebrity endorsements, I'd rather hear true testimonies of actual people who have used the insurance after an incident and what transpired afterwards. Not one video, article or testimony on line or off has done that yet. Makes me wonder if its all just another scam. But, 30 bucks a month for my NRA Carry Guard Insurance Gold Plan isn't bad for peace of mind even if it may turn out to be a false peace. Once I look into it further I'll have to decide weather to keep it or cancel it. Riders and Umbrella Liability insurance is very, very expensive and murky as to coverage as well. So, what to do ? What to do???? Thanks for your video. I am now a subscriber and will check back from time to time for more, informative and sound advice. Two Thumbs up and 5 Stars!!!!

  33. Paying for any kind of self defense fees should be illegal. People have the right as a sovereign being to life & liberty & to defend themselves no matter the cause or situations that occur. Laws of Nature.

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