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

Published on July 14, 2018
Duration: 33:28

This video features attorney Andrew Branca discussing the necessity and implications of self-defense or 'carry' insurance. Branca, an expert in self-defense law, explains the staggering potential legal costs associated with a self-defense incident, even if one is entirely innocent. He emphasizes that insurance is not a 'get out of jail free' card but a financial tool to cover legal defense, and advises on key features to look for in such policies, highlighting reputable providers.

Quick Summary

Self-defense or 'carry' insurance is crucial because legal defense costs after a self-defense incident can easily reach hundreds of thousands of dollars, even if you are innocent. This insurance helps cover those astronomical fees, but it does not make unlawful acts lawful. Look for plans that pay legal expenses as incurred and allow you to choose your own attorney.

Frequently Asked Questions

What is 'carry insurance' and why might I need it?

Carry insurance, also known as self-defense insurance, is a type of coverage designed to help pay for the potentially astronomical legal fees that can arise after a self-defense incident. Even if you are entirely innocent and act lawfully, facing charges like aggravated assault or even murder can lead to costs of hundreds of thousands of dollars for defense.

How much does self-defense insurance typically cost per month?

The cost of self-defense insurance varies by provider and coverage level, but a typical range is between $25 to $50 per month. It's important to compare plans carefully, as they offer different baskets of products and services, and not all are structured to be equally beneficial.

What are the key features to look for in self-defense insurance?

Key features to look for include plans that pay legal expenses as they are incurred, rather than solely on a reimbursement basis after acquittal. It's also crucial to select a plan that allows you to choose your own attorney, ensuring you have confidence in your legal representation.

Can self-defense insurance protect me if I acted unlawfully?

No, self-defense insurance is not a 'get out of jail free' card and does not make an unlawful act lawful. Its primary purpose is to finance your legal defense if you are charged, regardless of whether your actions were ultimately deemed lawful self-defense. You must still abide by the laws of self-defense.

Which companies offer reputable self-defense insurance?

Attorney Andrew Branca recommends looking into CCW Safe, USCCA (United States Concealed Carry Association), and the Armed Citizen Legal Defense Network. Each has a different structure and set of benefits, so it's advisable to research them to find the best fit for your needs.

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