Should I Buy Self Defense Insurance?

[@TheEarthwinders]

I've got experience in this. I have a CCW, and I've been charged with aggrevated assault with a deadly weapon by an overzealous prosecutor when I drew after being cornered by 3 aggressors chasing me. I didn't have CCW insurance at the time. The judge ultimately dismissed the charges against me, but it still cost me $15k in lawyer fees, court fees, bail bond, etc. After that I went and researched several CCW insurance companies, reading the fine print on all of them and comparing their coverage vs cost. I ended up with CCW Safe as the best value and coverage for likely scenarios, and have been happy with them for several years now. It's only about $180/year or so. It would take 83 years of premiums to reach what one short legal snaffu cost me.

[@PrettyGoodShot]

rex8499 That sucks, I'm sorry to hear that. I've only had to pull mine once, but luckily I didn't have to use it. Although it cost you a chunk of change, I'm glad you're free.

[@Blu-Man]

rex8499 they good at the,same time they hAve drawbacks in their policy that bothers me.

[@TheEarthwinders]

They do have more expensive policies that cover more as well, but the devil is in the details. Make sure to read and understand all the fine print. Do they have absolutely the best coverage for any possible scenario? No. But I felt their prices were reasonable for what they do cover (aka the best value), and those things which are most likely to happen to a CCW'er.

[@Blu-Man]

rex8499 in agreement ccw is tops on the contrary in reading the terms and conditions certain coverage they don't do to pay $500 and losing some coverages that's an,issue now,uscca covers everything .but they will send a lot of junk mail.I'm still undecided

[@JohnSims3]

CCW Safe is good, so is US Law Shield, but I think CCW Safe is a bit better.

[@christopherpaige406]

You have to remember, on this subject, Dave can afford legal representation if and when the time comes, the other 95% of us can't. Do what's best and biblically sound for you and your family

[@BloodStainedTear]

Of course he has a legal dream team on retainer

[@yaimavol]

@John Smith Especially liability insurance, because the very fact you are wealthy makes you a target for lawsuits.

[@KC--1776]

Well said! After looking deep into this topic I went ahead and became a member with USCCA.

[@FrankO-ek1ec]

@@KC--1776 if you’re found guilty or take a plea you will have to repay everything. Keep that in mind . USCCA doesn’t like to mention that .

[@thebusterdog6358]

I am a member of USCCA, not for the Criminal case, but for the Civil liability cases that follow being exonerated in the Criminal Court.

[@trunkmonkey4938]

I usually agree with Dave, but clearly on this subject he needs to investigate it more.

[@franny11786]

which he admitted to calm down

[@trunkmonkey4938]

@@franny11786 I love it when someone is so heated they have to tell me to calm down. I am sure you don't see the irony.

[@franny11786]

@@trunkmonkey4938 Uh dude you cant just play the "no you" card just because you know the person who called you out is right.

[@slundgr]

@@franny11786 Don't bring it up if you don't do your homework.

[@franny11786]

@@slundgr my guy, did you even watch the video. The dude asked Dave

[@acmund]

Ramsey is wrong on this one. No matter the amount of training, you can be charged with a crime or sued when defending yourself.

[@365techtips]

acmund He didn't say you wouldn't be. I took his point was that the training he had made him less likely to use the gun. He then questioned whether this insurance would actually properly cover you if you ever needed it.

[@Wreckerrick201]

He calls it gimmicky... says the man who’s worth 60 million and could pay for his own defense...

[@blackonblack...9244]

He's a millionaire. He can afford a bail, lawyer, and a settlement. However, when if the lowlives like me and you getting out of debt and building wealth, the smart thing to do is to find and buy firearms insurance so that it doesn't make you go broke and start over.

[@Wreckerrick201]

Well, I’m in the people’s republik of Kommiefornistan.... lol

[@Wreckerrick201]

Wish I could... I’ve been to Texas quite a bit and have family there. Unfortunately, my daughters father is still here and has already fought moving once... out of state won’t happen until she’s at least a few years older. Luckily, I live in a county that issues...

[@grappler240]

Dave just said, at a fundamental level, " I dont have auto liability insurance... as I have TRAINED so well behind the wheel... im never going to have a wreck". Brother, it's not YOU who decides..... get that in your head. And WHEN they decide.... you have a choice to make, and the REST of your life to think about it, either way. I went with US Law Shield.

[@Globerson]

100% agreed, his logic is way off here.

[@conspiratornot2215]

Great analogy.

[@Emanouche]

Just went with USCCA, even though I live in one of the most lax gun laws state in the country.

[@iShowUnusualBehavior]

I think he forgot, many of us watching aren’t rich.

[@iZephiroth]

@@Emanouche I’d recommend going elsewhere if possible. If you’re criminally convicted, you need to pay back everything to USCCA. Armed Citizen’s Defense Network is amazing because of their training/education and team of experts like Massad Ayoob. CCW Safe is also fantastic.

[@sctony2000]

Why did you take 5 mins 34 sec to say you don't know? Why are you giving advice after saying you do not know?

[@Texas.Shave96]

He says "I don't know" because he doesn't want to be responsible for other actions. Have some common sense brother

[@PatrickKQ4HBD]

@@Texas.Shave96 this video definitely should have a tl;dr up front.

[@jhljhl6964]

More and more, the law is favoring the criminals.

[@GAMarine137]

It's by design.

[@NovatusRSGaming]

When you shoot someone in self defense, just say you were robbing them. The judge might go easier on you

[@Timberwars]

@@NovatusRSGaming very bad advice. defending "STUFF" just doesn't square with "reasonable force" and "deadly force".

[@TriggerHappyTTV]

I've never said this before, but Dave is wrong on this one. Dave needs to rethink this. Not a gimmick. Look into USCCA.

[@dandempsey7195]

Agreed. USCCA appears to be the way to go. I do think its subjective to what state you live in however. If you CCW in CA, definitely have insurance.

[@704ab]

I have been with SDF - Self Defense Fund, for a few years. $150 a year.

[@blanchy]

Ive had USCCA for a year or so and I'm keeping it. I was just curious what dave said

[@therealandrewcano]

@@itsdasoundofthepolice6307 no doubt

[@wobinga7]

USCCA is outrageously overpriced. Try CCW Safe or Texas Law Shield.

[@ironmanbobby]

"Gimmick" insurance? Maybe for Dave Ramsey but for us mortals who don't have $100,000 for a legal defense and then $1,000,000 or so to settle the civil suit that will surely follow it's peace of mind.

[@RemoteViewr1]

You truly dont need it; until you do.

[@zackiinu7194]

I am shocked that Dave doesn’t have a self-defense legal protection service plan. I have CCW Safe. Everyone who carries should read attorney Andrew Branca’s book, The Law of Self Defense.

[@KeithCindyPanama]

There another one called leagleshield. Lots of gun ignorance going on. Also look up self defense channel for gun owners.

[@joelgardner3352]

It’s cheap enough and I’m happy to have it myself.

[@artemthetrain14]

Dave won't feel it financially if he needed to defend himself. Does he even have life insurance?

[@cliffordschaffer5289]

Did Branca mention that it is illegal to offer insurance for criminal offenses? Did he mention that, if the company is not licensed in your state, you have no way to dispute an unpaid claim?

[@cliffordschaffer5289]

@@joelgardner3352 Take it to your homeowners or renters insurance agent. Have them explain why it is total trash and why you would be better off with an umbrella GL policy from a reputable company.

[@SKBottom]

Dave is really good on the subjects that are covered in the baby steps. Beyond that, he's often in over his head. It's also pretty obvious that his ego is such that he doesn't like to admit it.

[@MarkCosens]

Seems like a bad idea just to lump it in with extended warranties and gimmick insurance while stating he has not read any of the policies and does not know what they do or do not cover. Also claiming he knows it could cost someone a million dollars if they had to defensively use their gun. He teaches to keep the small risk and pass off the large risks. Seems a million dollars would be a large risk and worth looking into them before passing them off as gimmicky. I love all his other advice I have heard, but this one seems inappropriate. I do like the fact that he is a concealed carrier, but that seems like more reason to look into this.

[@thekoobas6763]

As much as I like Dave Ramsey, he just spent 5 minutes saying "I don't know" 👎

[@MarkCosens]

And claiming it is a gimmick insurance and using a gun defensively can cost up to a million dollars while claiming he doesn't know. I like all his advice he has when he knows about the subject matter and has experience in it. Seems like a bad idea just to pass it off as a gimmick while claiming he knows nothing about it and it could cost someone a ton of money.

[@kakashimoto9916]

I have USCCA (platinum plan) for both my wife and I. We feel so at peace knowing that we have access to reliable legal defense in case we ever have to use a legal firearm or legal weapon in self defense. I've owned a firearm for 4 years and no one ever suggested purchasing legal defense insurance. As stated in the video, Dave doesn't need this type of insurance but the vast majority of us do. You can't go wrong with USCCA, I'm telling you.

[@PapaSmurfx93]

You’re telling me? You’ve used your pistol in self defense? How was the experience? I truly hate the idea of having to have insurance to protect me from the law when I’ve already followed the law to make sure I had a firearm to defend myself from a bad guy.

[@kakashimoto9916]

@@PapaSmurfx93 No I haven't use my firearm in self-defense but I have a decent sense of peace knowing that I'm insured to a degree. Better for me to have it than to not have it.

[@geebee6010]

They’re horrible if you get some real charges

[@gergemall]

Agreed

[@wlonsdale1]

Better really, really read the fine print

[@Christmas1692]

I have a policy with USCCA. With what it all covers I believe it's deffentely worth having.

[@AsinineMind]

Joey Johnson lol that’s the ad for me

[@TuskerVet464]

Joey Johnson I have thought about getting USCCA. May be worth it. As I will never have a million dollars laying around for attorney and other fees in the event of self defense.

[@Christmas1692]

Jarod Derrick there are actually some videos of their members who have actually had to use their uscca insurance telling their self defence stories. In the KZbin search bar type in "uscca stories" and you'll see them. I have had them for the last couple years and I have absolutely no complaints. Great customer service and they're upfront about what they cover and what they don't. Hopefully this is one insurance I will never have to use.

[@Blu-Man]

Joey Johnson but people say,they,cloud,people with so many emails that is not, good

[@BloodStainedTear]

@@Blu-Man I never get an email from them unless 1 I initiate it and it's a response 2 they have an upcoming training event 3 the payment for my premium is declined

[@robertemmons8610]

Nice answer for 2018, but now it's 2020, and the police can no longer be counted on to protect you. I hope you post a better answer now.

[@BruceCross]

Being well-trained is good, but you don't pick the time, place, or number of criminals who attack you. They do.

[@ikescomments1931]

Sorry Ramsey. You never answered the viewer’s question. It’s important. I have no idea what you are talking about when you stated you invest in firearm training to avoid insurance costs to protect your finances. Firearm training and conceal and carry insurance are totally different subjects.

[@josgha2917]

Not in his context. He was saying that the way he has "invested" and "insured" himself is that the training he has taken will allow him to avoid using a firearm in an active shooter situation in his building (and probably his home too) so he personally doesnt see the utility in it. That being said, he also admitted he hasnt looked into it and other people could find it very promising.

[@j.dieason7527]

Joseph Gharis Hmm... then why carry at all? If you honestly never plan or are willing to use it then why carry? And if you “ invest” in training and education for the purpose of not using your firearm in self defense situations, then again I ask why carry. Bottom line is there are bad ppl out there looking to do harm and these ppl don’t care about the law or the repercussions that follow, and no one can see the future to kno where they should be at certain times and where they shouldn’t. So unfortunately something bad very well could happen and we all don’t have the funds like Ramsey so I think it’s best to pay for coverage

[@ikescomments1931]

@@josgha2917Do your research and don't believe everything you hear or read on KZbin. There is no such thing of knowing how to avoid the occurrence of a self-defense engagement with a firearm or an active shooter. Unless you or Ramsey has access to a time machine to see the future. Firearm training only prepares you for the unforeseen danger. Insurance is a safety belt. Would you buy a new car and operate it without some kind of insurance coverage. Ramsey’s expertise is in the area of finances not tactical firearm training. Don’t defend someone that lacks knowledge on the subject.

[@spencergoodfellow9051]

Short answer, "I don't know".

[@edberrios4415]

I worked for an insurance company for over 20 years in specialized coverages like Directors & Officers, Employment Practice Liability, Fiduciary, and Errors & Omissions, handling high exposure and complex litigation, as well as insurance coverage disputes with insureds and other insurers. It is tough to compare insurances but first is what state restrictions and limitations are there on insurance, because despite the language of the policy, if a state forbids coverage for certain acts, there can be no coverage provided. This is generally true for intentional or willful acts in almost all jurisdictions. It's what in the industry known as uninsurability. Second, you need to look at other available insurance you have to see if they provide coverage for certain acts, which means looking at your homeowners policy, which has liability and umbrella coverages. Lastly, the most important factor you should be concerned with is defense cost coverage and how comprehensive it is (does it cover criminal and/or civil proceedings) and understand that more than one policy could be triggered. Is the policy a duty to defend (insurer controls the defense), duty to reimburse (insured controls the defense), or must you tender the defense to the insurer, as well as who can settle and who must consent to a settlement.

[@cliffordschaffer5289]

Finally! Found someone who has some clue about insurance. The answer to your questions is that no one knew enough to ask. Insurance doesn't cover crimes, for good reasons. If you call the insurance company and tell them that you need thirty grand to get a good lawyer to get you out of jail, you will hear nothing but a click. Also, as you know, if the company is licensed in another state, but not yours, you have no way to dispute a denied claim.

[@jmc4181]

I have USCCA. Recently I was wrongfully accused of agg assault when some psycho witches dog was attacking me. I am a 29 yr police vet, 4 yr Marine, 9 years SWAT. I am the most careful, safety oriented gun owner you’d ever know. I pulled my gun and kept it straight down, finger along the slide until the dog was leashed. The woman called me every name in the book and I replied by reminding her that it was her husband who’d recently been arrested in front of my house for dealing drugs out of HER baby stroller. 3 witnesses supported me, no one supported her. The jagofff detective filed the case anyway with the prosecutor who dropped the case immediately. I still had to lay out $2500 for pre-indictment legal fees. USCCA reimbursed me in full and in a very timely manner. I RECOMMED USCCA!

[@j.dieason7527]

J Mc and that is exactly what makes me mad. Here you are doing the right thing and in my mind been totally right if you was to use your firearm, but it still costs you. And ppl who plan to do harm or ppl that don’t care about the law win way more than they should imo

[@Steven-rp8zo]

but the problem is if it would have escalated and you needed to take a plea deal then technically you'd be a 'convict', even of a misdemeanor, and then according to their terms, USCCA would not cover the cost. I'm very skeptical of USCCA. They have too many loopholes to deny coverage after the fact.

[@jmc4181]

@@Steven-rp8zo well the one thing I didn’t like was their option to deny you coverage if in their opinion you may not have flowed the law. Unless I blatantly shot someone while I was committing a crime or I murdered someone in obvious cold blood than I feel they must cover you. In other words if a prosecutor decides to prosecute that is exactly when you need coverage. And that doesn’t mean you did anything wrong. So in that aspect I agree. They should have more of a mandatory obligation to cover their clients. But my case was so cut and dry that they didn’t hesitate.

[@dogguy8603]

Just remember the best thing you can do when in a situation like that is DONT TALK TO COPS, its like drugs, if cops ask to talk to you, just say no

[@adama5929]

Look at it this way, if you're in America, roughly one half of the population thinks they should be able to victimize you with no consequences to themselves. Even in your own home. If you can afford it, it's good to have.

[@eyesonly4451]

Put everything you own into an irrevocable trust and name your spouse as trustee and also a beneficiary. At which point, you own nothing and are happy. Now you carry the weapon and be responsible for training and use, *_not your spouse._* Even if you have a legit self-defense incident, you could still be found civilly liable. But since you own nothing, you're happy to let them get your wallet change. Consult your lawyer for particulars in your state.

[@lockman004]

Dave is usually right on the money when it comes to financial advice. Unfortunately in this case he's dead wrong. I hate insurance companies in general but as a part of being a responsible CCW permit holder I carry CCW insurance and I have a $2M umbrella policy. In my opinion to protect yourself you need: a ccw permit, a concealable handgun, ammunition, and INSURANCE. Sorry Dave, If you don't know then don't give advice on a topic.

[@lockman004]

Sorry in my haste to reply I neglected the need for training and regular practice secessions on a combat shooting range. I shoot my CCW weapon on a monthly basis to stay sharp and keep my carry ammunition fresh.

[@edzaslow]

Read your policy. They exclude for intentional criminal acts. There is no substitute for actually reading the policy.

[@mariosangermano5709]

​@@edzaslow Of course they won't cover you for intentional criminal acts. Why would they??? LOL

[@jasonb4988]

US Law Shield is probably the best product in the marketplace currently .. its value is unmatched if you ever need it. The consistent educational offerings are excellent. The availability of legal assistance 24/7/365, and legal support is again amazing. There is NO CAP with USLS. We have it, and many of my friends do too .. you only realize the value once you need it ! God forbid, but it’s there .. multi state coverage, firearms coverage, etc. Dave get on the ball here ..

[@mariosangermano5709]

US Lawshield member as well. 👍

[@RevGunn-jq3cq]

Dave get the facts and then comment when you are informed on the subject. So please find out and comment

[@yodaddy4944]

90+% of the time you’re going to be charged regardless of if it was justified or not, your “training” doesn’t change that. You’ve lost everything once, would hate to see you lose it all again. You carry to be prepared for the worst case, you should be insured to be prepared for the worst case also.

[@704ab]

I think that depends a lot on where you live. I do not have a duty to retreat. But I still have a plan that is $150 a year.

[@jveebklyn1644]

@@704ab Duty to retreat is pretty clear cut if the incident occurs at home. If you are outside, the level of danger a reasonable person would perceive is a bit murkier.

[@704ab]

Self defense laws vary, state-to-state. In mine, there is no duty-to-retreat. In Texas, you can shoot to defend your property. In most places, DA's are elected, and do not want to prosecute in it hurts their re-election chances.

[@SeanJ2A]

90% is way to high of a percentage. I’d say in California, NY and Illinois it almost a 90%+ chance you will be charged regardless, but in more gun friendly states it really depends. From my research I’d say outside of those states maybe 40-50%, still way to high for comfort.

[@bradspicer6159]

Dave, I would love to hear a follow up on this. Hear your thoughts after reading into the major policies out there. If you were to purchase, what would it be.

[@wlonsdale1]

Why don't you just go to the pros? It's not just about dollars and cents

[@charlieswearingen500]

I successfully defended my family once. It was a serious situation and the armed men I overcame were later imprisoned for killing someone. During my investigation, the DA made it incredibly clear to me that if I had shot someone I would have been in serious trouble with the state. That even in defending your home you are expected to flee first and use a gun only if trapped in a deadly situation. On top of that, in court, I would have had the burden of proof placed upon me to prove I was in absolute fear for my family's lives. If you can afford guns you should be able to afford gun insurance. If you're not a millionaire get insurance, or at least join the NRA or some other gun group that will help defend your Second Amendment rights in court. BTW, did you know there is not one law in America that requires the police to protect you or your family from harm???

[@sokyoutdoors588]

Depends on your state. Supreme Court ruling in the state of Kentucky from the 1930's states Kentuckians are not expected to flee.

[@j.dieason7527]

Exactly, each state is different. Some have castle Doctrine, others have stand your ground, and some only have flee.

[@charlieswearingen500]

@Max Larson No, believe it or not, this occurred in Republican-controlled Idaho in 1984. There was no Castle Doctrine at that time...

[@TrollMeister-s6n]

The overwhelmingly best insurance you can get is getting the hell out of urban areas. The quicker, the better...

[@LIL-MAN_theOG]

That's false. You got meth houses, opioid heads and all sort out in the sticks

[@edzaslow]

Some of the commentators below pointed out that if you are convicted or take a plea deal, you have to refund to the insurance company whatever they shelled out for you. Why is that? What kind of insurance is that? Well, the reality is that it is illegal to insure against your intentional criminal acts. This legal concept is known as "void as against public policy." That is one of the reasons I don't have this insurance. I think it is junk insurance. None of these programs advertise their "loss ratio". The loss ratio is the amount of money paid out in claims over the amount of premiums collected. Let's say that they only pay out 10 cents on the dollar. No one would think that is good value for your premium money paid. It's like you are buying the "blue sky.:"

[@Mr.Vet1969]

Have you conducted research on any of these companies? These companies are membership organizations and their products are underwritten by insurance companies. Furthermore, self-defense is not an "intentional criminal act". Out of the six companies I researched, only one requires that the costs be paid back if you are convicted. If you think these companies aren't legit, a search of KZbin or Google using the companies' names will give you stories/testimonies of people who used their firearm for self-defense and were represented by the companies.

[@therealjoshtodd]

Really?? Run?? So you wouldn't take out an active shooter, you'd just run and let dozens of people die, or you'd flee from your own home and just let the intruder violate your home in every way possible. Jesus.

[@michelle13m]

U.S. Law Shield member here - No insurance loopholes bc we are not insurance. It's 100% no caps, no limits, no reimbursements. It covers ALL legal weapons, not just guns.

[@WallaceDunn]

Indeed, you don't even need to use a weapon at all. If it was self-defense and you get charged with a crime, they will cover you.

[@mariosangermano5709]

I have US Lawshield as well.

[@ez-g3090]

@@WallaceDunn have you had to use the insurance yet? How did it go?

[@billlombard9911]

Get CCW safe or DO NOT Carry , my friend spent 60k in legal fees , eventually charges dismissed , don’t play games with your freedom or what you own ,

[@gummybear41283]

why did you pick CCW safe

[@billlombard9911]

@@gummybear41283 they let you pick your own lawyer

[@gummybear41283]

@@billlombard9911 do you know anyone who had to use them in a case? and how did they do?

[@georgeunk6762]

​@gummybear41283 CCW Safe has options for retired police in NYS. In NY the dirty, disgusting representatives the idiots elect here, have made it almost impossible to purchase any self defense protection. So for me, I combined CCW Safe's H.R.218 option with Armed Citizen's Legal Defense Network Plan. Dave should have just said, NO COMMENT & added apologies for simply not be well versed in this area.

[@andrewmontgomery6706]

We had a man in our church whose family lost everything just getting a lawyer, before he was judged guilty of manslaughter when he was ganged up on. After that, we required those on our armed team have insurance. I use USCCA.

[@GAMarine137]

Tragic. Satan's children are embolden in this country and gaining ground. They are busy doing the works of their father: to steal, to kill and to destroy. I hope your church friend gets a new trial with a better lawyer.

[@whoareu-podcastaboutlifeat257]

As always, depends on your situation and location. But it probably does help keep you less worried

[@theoriginaldashriprock]

Wow, Dave Ramsey could not have been more vague on this subject. Basically he's acknowledging that if you are ever caught up in a self-defense situation that your legal defense would cost you an enormous amount of money, but he's not advocating getting insurance to cover that. I don't know what the point of this video was. He was very much not helpful. The reality is that, yes! If you carry a firearm for self-defense, you definitely need some coverage in the event you do have to use it to save your life. You can try and cover it yourself, but it may bankrupt you. Most of us would not be able to do that.

[@USCCAOfficial]

We're here and would be happy to share more information or answer any questions you have!

[@USMC6976]

lol, USCCA concealed carry insurance has been getting a lot of negative reviews lately because they are finding all kinds of reasons not to cover their clients that have been charged.

[@bowl816]

Too many loop holes for USCCA to decide to not pay.

[@JRock3091]

Unless it's a high profile shooting. Then they will not cover you.

[@tylerlondon5052]

@1:50 "I don't know what I'm talking about but will speak anyway."

[@AdventureSMBW]

Did anyone hear this? "Id save my life or the life of someone near and dear to me, other than that, zero percent chance if use it." So Ramsey would sit back and let strangers die in a mass shooting while he ran away with his firearm. Apparently, he's not actually a gun enthuiast. He's a run enthusiast.

[@millerfam128]

I have US Law Shield. It is worth it and I have it for the same reason that I have any insurance.

[@26johnbeat]

Me too

[@Bung_Holio]

I have CCW Safe, this and US Law seem to be the only insurance policies with any real decent coverage.

[@JerryStevens]

We just completed CWP training. An hour of the training was a pitch by a salesman invited in by the trainer. After presenting us with lots of scary scenarios about how we would be prosecuted and sued into bankruptcy if we ever had to defend ourselves, I felt like throwing the gun into the river. He presented us with sign-up forms that said we have received the contract but he had no contracts with him. Anything he said during the presentation is completely worthless. What matters is what is in the contract. Another red flag is that he said if we didn't sign up right there while he was there, the price would go up. I passed and am doing research on other companies that offer this type of coverage and reading through contracts. I have a feeling the coverage is not as all-encompassing as he said it is.

[@jconner228]

I just had this experience yesterday, and after they pitched and pushed me, I had a feeling it was too good to be true and I'm happy to be doing research on them and other companies before I make a decision.

[@JerryStevens]

@@jconner228 For what it's worth, after reading and research I didn't find anything worth buying.

[@georgeunk6762]

​@@JerryStevens I have had a few of those intense sales pitches as well. In Florida & Texas. They both back down from trying to sell me, as I am from NY & because of the idiots that vote here, we elect dirty, disgusting representatives who have made it very difficult to protect ourselves here, including making it almost impossible to sell these types of programs in NY. Fortunately for me, as a retired LEO, CCW Safe offers a plan for those who carry under LEOSA, (H.R.218). So I have that, & Armed Citizen's Legal Defense Network Plan, as that isn't insurance. I strongly recommend them.

[@jaydjosey]

US Law Shield is very inexpensive and is a total package. Every ccw should have it. You can’t afford not to have it. Not any gimmick about it.

[@tonybryant7846]

I have US Law Shield as well

[@Aj-ng6vm]

I just signed up with 2A Shield. They currently seem to offer the best coverage for the price.

[@Bung_Holio]

I just got CCW Safe, that and US Law are supposed to be the best for self defense insurance. I’ve heard that USCCA is great for tips and training but when it comes to legal representation and helping with legal fees and such US Law and CCW Safe are far better alternatives.

[@mariosangermano5709]

US Lawshield member as well. 😁

[@Timberwars]

one fly in the cuppa coffee is who pays for expert testimony if needed? I was told by a guy selling the Legal Shield insurance that the defendant pays for expert testimony. Anyone else get that advice?

[@lazvt8469]

...and the second you draw your weapon in self defense...YOU WILL BE HIRING A LAWYER.

[@94SexyStang]

yep, and if you kill someone you're GOING to jail, period!! No matter WHAT state you live in!! It's police procedure.....they will throw you in jail until crime scene investigators interrogate you....then likely BACK in jail you go, until you can post bail or judge orders you released!!!!

[@larrnew]

@@94SexyStang false information!

[@larrnew]

And if you don’t then you and your family will suffer serious injury or death… I don’t know your choice but I do know mine!

[@larrnew]

That is not necessarily true… I used my firearm in self defense causing lethal results and gave my statement to police and I was never arrested or jailed or hired a lawyer!

[@biskit7]

Insurance is for people who would be severely impacted by paying the whole amount. If you will be bankrupt if your house burns down, then I would have home insurance. If you can rebuild your house with your cash I wouldn't have the insurance.

[@Jonatelloh]

WRONG. Even when you are in the right 100% its not about what happened its about what you can prove. The other party gets a say too and if they paint you in a bad light and are successful in swaying a jury, you are in for a rough time.

[@jaydawg116]

As someone who carries everyday, I’m surprised he’s never looked into it. It’s very valuable, as he even stated that a self defense lawsuit can climb to around one million dollars in legal fees, not including any civil suit that follows.

[@j.dieason7527]

jaydawg116 that’s cuz he has money if the unfortunate event was ever to take place. Most ppl don’t have a mil chilling in our sofa cushions that we could use if we had to use our firearm

[@jaydawg116]

J.di Eason I respect that, but from a financially sound individual, insurance is insurance. Mr. Ramsey either carries or has a few firearms for protection in his household to protect his family, and I’m sure he’s thought about the legal costs. And he has a lot to lose to civil court, if he ever had to defend himself and his family. He can afford the lawyers fees, sure, but I bet he has car insurance.

[@Timberwars]

Early on in Dave's schpeel he said that he would 'pull his gun' ONLY if he or a family member was threatened with harm. IOW, if anyone else is attacked and he's unlikely to be affected the victim(s) are on their own. Seems a serious moral delima.

[@georgeunk6762]

To me, anyone who has a firearm needs a self defense protection plan, if G-d forbid, you have to use it. But Dave is right. You must read ALL of the FINE PRINT. It seems to me that far too many buy or sign up for something based upon what others say, instead of doing their due diligence in researching options. Please do your homework. I settled on Armed Citizen's Legal Defense Network plan. Then later, after additional comparisons I picked CCW Safe's H.R.218 plan, as this is an option for retired LEOs in NYS. Many companies aren't allow to operate in NYS, (or the States of Washington & NJ). My investigation revealed shortcomings in the options available to me, based upon what I need. Hence, I picked 2, for both overlap & to supplement what the other doesn’t offer or not to the level(s) I feel I need.

[@ObstacleZone]

In other words Dave Ramsey is saying, he has lawyers and money so he's not worried about it

[@HalkerVeil]

You have to have the money up front to pay for lawyers, etc. They compensate you later. Much later. Sometimes you have to go to court just to get them to pay. Better to be a member of a private group that pays your bond and legal fee's. like CCW Safe. But they won't help you either if you abuse it for a crime.

[@pukk9445]

Handled firearms my whole life, carry evry waking moment. Flabbergasted Dave doesn't see the value in CCW insurance.

[@pukk9445]

Jacob G is there value in gimmick insurance?

[@pukk9445]

So you're saying he sees it as a valuable commodity? If so we watched different videos.

[@pukk9445]

And the ad hominem attacks... Last resort of the outraged and unthinking.Sounds like you're a little hot under the collar because you know you're wrong. Considering Dave's principals I made the mistake of thinking the channel was a place for civil discussion. Have a blessed day

[@PaulfromChicago]

Let's do an assessment of legal risk for Dave and CCW. Risk: lawsuits or jail time for using ccw Threat: corrupt/overzealous DAs and judges Dave's mitigating factors: Extensive training, attorneys on retainer increasing the ease and ability to purchase services from specialist attorneys, fame and ability to blunt a legal career, a desire to disengage under almost all circumstances to the point where he started he would not interfer to save your life (BTW, this makes sense, there is so much crazy in the world that trying to play "police" will get you tossed in prison.) Your mitigating factors: ? Only you can know that, but insurance may make sense as a mitigant. Remaining risk: In Dave's case, it may not make much sense to have CCW insurance. He has better controls in place than most people, to the point where having CCW insurance might even be a liability (Prosecutor: Mr. Ramsey, did you purchase CCW insurance because you knew you were likely to get into an altercation?) Further, Dave is right and such insurance usually is gimmicky (NRA wine anyone?). Dave probably has this risk as well controlled as he is likely to achieve in the USA. Your remaining risk: ? You need to decide if your remaining level of risk is acceptable for you and your family.

[@MarkCosens]

@EBE I emailed him via his website and the response I got back from his team was " Dave says concealed carry and self-defense insurance falls under the category of gimmick insurance" and had a link to this video. I agree that the video said it looks like a gimmick, but his response today via email is that it is a gimmick. I think it would have been more appropriate just to say he does not know because he has no knowledge of the policies before stating what is or looks like, especially when he acknowledges using a gun defensively could cost someone a million dollars.

[@trdpro2012]

Ramsey is wrong on this one. He can afford hundreds of thousands of dollars in court and lawyer fees. You can be completely innocent and go to trial and owe a ton of money

[@justincase2291]

For a few hundred dollars a year I will continue to have the insurance. In all likely hood if I had to use a firearm I'm sure that my life would go downhill fast. No amount of insurance will cover everything that will come up.

[@bartosullivan8050]

Perhaps it would be wise to investigate the product before giving advise. If you shoot someone regardless of justification, there's a good chance you'll need very expensive legal representation. I'd rather pay a small fee for some peace of mind than have to possibly be on the line for what could potentially cost hundreds of thousands of dollars in attorney fees. My lawyer friend gets a 75k retainer and that's just to get to trial.

[@bakobassoprofundo]

Watched this to confirm my belief that Ramsey is clueless.

[@thatguy2133]

It can happen… it happened to me. The insurance saved me.

[@InvestingHustler]

So this whole time dave Ramsey been doing his show while he’s armed , don’t mess around with this guy 😱😂

[@MiguelRPD]

Get rich get strapped.

[@hermesotaku201]

Miguel Angel Medina Rise Get strapped decades before you get rich.

[@jake-mv5oi]

He's probably at the top of every bank's hit list! Can't blame the guy, lol.

[@christopherallen7708]

That's what i was thinking... so ole Dave is packing 👍

[@throughthefire9225]

Stay strapped or get clapped

[@greysongreyhater7667]

People carry car insurance and home insurance for the unthinkable that hopefully will never happen. Yet, people who own guns don’t think about insurance? It will cost you everything you have and everything you don’t have, if the unthinkable happens, including prison. Do you want to be defended by council appointed to you by the court? Heck, I don’t even own a weapon (although I’m thinking of purchasing one), but if and when I do purchase one, I won’t be so stupid as not to have great insurance. Just make sure you research, because there are plenty of companies to choose from. Some insurances will reimburse you (if not found guilty). I consider those worthless and suggest you avoid them. Get insurance where you will never see a bill. Get insurance that you can talk to a lawyer immediately and have one appointed to you within 24 hours. If you have your own lawyer on retainer, great (very few can afford this). If not, get insurance that will pay for a felony bond, so you can go home and plan your strategy with your lawyer. DA’s want cases they can win and love the ill-informed. If you have a court appointed attorney, they’ve got you and they know it. If you have insurance that does not have an upper limit (both criminal and civil), the DA will think twice and probably never prosecute. DA’s usually have a 90% plus conviction rate and don’t like to lose, especially nearing elections. They want slam dunks. And if you happen to live in a non-free state such as anti-gun & pro-criminal California, great insurance is a must.

[@johnpollard5221]

On the bail portion, most pay the 10 percent, you need the other 90 percent in collateral.

[@FrankO-ek1ec]

If you carry a gun carry insurance is a no brainer

[@MultiCax]

What an advise! I have a millions of dollars to pay for a self defense case, so I don't have to worry about having insurance. 👎

[@MrJay197409]

And California and New York are two places are definitely need to carry a concealed firearm.

[@wheel-man5319]

Ain't it a shame? Law abiding citizens may not, but if someone has decided to not pay attention to the law, they have one and will use it on you!

[@natas0733]

@@wheel-man5319 depends on your county of residence in ca. I live in ventura county where they issue like anywhere else. I carry everyday. And it is legal anywhere but restricted areas. I.E. k-12 schools, govt buildings, airport sanctuary zones, etc

[@704ab]

Yep. I don't have to travel for business. And if a state wants we to travel there after I retire, they will need to accept my canny permit and carry guns.

[@Globerson]

And that’s why they’re the two fundamentally most unsafe places in the country and I’ll probably never go there and definitely will never live there.

[@yaimavol]

They're prosecuting a guy up in NY right now that shot 2 intruders in his own home.

[@larrylanden]

I’m in favor, but beware and compare: Biggest deal-breakers for me would be when the coverage for criminal defense is not high enough. CCW Safe has no criminal limit. The civil defense won't matter near as much as the criminal, and some states give immunity to civil if the defendant wins the criminal case. So criminal defense is far more important, and USCCA is not near high enough. True that some crimes happen by people known to the person, but in today's age of censorship and rioting and looting and the division we're seeing begin in America it would not surprise me if strangers assault or crimes of opportunity. Next deal-breakers for me would be reimbursement plans. USCCA has a clause in the contract that if the defendant accepts a plea or is convicted they may then seek to be repaid for every dollar they spent. Other worse companies not compared here will only pay after the defendant is found not guilty, which is like sending the army after you win the war. Also, USCCA currently has a lawsuit against them for not paying out the benefits to one of their active platinum members, and they won't comment when asked. If they were going to deny any case on a whim then they need to state as much up front in the contract. I personally like CCW Safe and Armed Citizens' Legal Defense Network the most. The caveat to ACLDN is that they may deny the case, but they are superbly qualified to review the case based on the members of their team including Massad Ayoob, John Farnam, Dennis Tueller, and others.

[@Dcook85]

I cannot recommend it enough. Even if you're %100 justified, there's always a risk that you will go to prison or get successfully sued. The chances of those things greatly goes down proportional to how much money you can afford for an attorney. Do your homework on the policies out there, there are great companies out there. Even if you don't own a gun there are companies out there that cover ALL self defense.

[@WornoutRNPARAMEDIC]

Get it. I have it. Go to United States Concealed Carry Association or CCW-Safe. Dave is great in his area but this is not his area of knowledge. I know Dave means well and his goal in life is to help others where and when he can. But he is doing gun carry people a bad dis service here. Look into these two I've mentioned. I had the first from 2011 till recently for about $30 a month. Then I changed over to CCW Safe for $499 a year for their top plan. Also look at the great video's and book by Atty. Andrew F. Branca titled "The Law Of Self Defense" He puts out several short videos a month. His motto for us is, "you carry a gun to make yourself hard to kill. Know the law to be hard to convict." Follow him for free on line and get one of these insurance plans. You will be ever so glad you did, if , like me, you carry for self defense.

[@j.dieason7527]

Andy H good looking out Andy. I agree w ya

[@rubin2200]

I live in Florida. Its not required to have a CCW to own or buy a firearm. I dont have a CCW and I dont want one because I keep mine at home strictly for home defense. Could I still get insurance without a CCW??

[@cfrost87]

USCCA doesn't require a CCW

[@georgeunk6762]

CCW Safe has plans for those without CCW. I have them & Armed Citizen's Legal Defense Network Plan.

[@crazycryptoscad3907]

I'm dead ... almost all the time you see me, I'm armed 😂. One way of avoiding having people asking for an autograph 😂

[@tmilli7549]

He never said not to buy it. He said he never read the policy so he’s not going to endorse it because he simply does not know whether it’s worth it or not.

[@warrenbellamy5356]

I’m covered by a company called Firearms Legal Protection. Their a great company that provides a great service. I chose their individual premium plan for $24.95 a month. For that price, it’s comforting just to have them available to me knowing I will most likely never need their help, than to need their help and not have it at all. That’s basically true of any and all insurance. Good thing is that my wife is in agreement with me.

[@austindobbins8957]

Pops just doesn’t know anything about it. Most of them will void the insurance if you acted anyway other than how a properly trained person would, so to suggest it’s for any other crowd of citizens is not very wise.

[@maxjnb4816]

I love Dave but man I think he may be wrong on this one or right considering he always is in my opinion. But for Dave to openly say, I carry 100% of the time you see me except when in NYC or LAX and then reveal that he has no insurance is like someone driving a million dollar car on an highway and saying I'm rich, I just brought this car but have yet to insure it! Can you imagine how many people would be looking at that car as an opportunity to get paid quickly. Key word, quickly. Insurance takes time, but when it's out your pocket, it's pay now.

[@mplslawnguy3389]

Wealthy people don’t need it, Dave doesn’t know what he’s talking about, yet again. If you make an average income I would strongly advise getting it, but research the different companies because some are garbage. It not only covers your criminal trial, if it comes to that, but the inevitable civil trial as well. It’s not going to cost you a “million dollars” as Dave so confidently stated, but likely hundreds of thousands.

[@generitaldato794]

Don’t you just love when someone says they don’t know what they’re talking about but then goes on to tell you not to do it.

[@crazycryptoscad3907]

If I had a gun, I'd be going around root tootin it firing off warning shots into the sky shouting "yee harrr"🤠

[@SamuraiAtlas]

If you don’t have at least 400k to pay in legal actions it’s a must to have gun insurance or membership look into USCCA and I say 400k Because that’s the average

[@MD-ky4ho]

Not USCCA.

[@SamuraiAtlas]

@@MD-ky4ho what’s wrong with uscca

[@alanlamando6667]

You took over five minutes to say, “I don’t know.”

[@DanoSeer]

Many have "no fear" of carrying a gun. It's the issue of a tyrannical state charging you with a crime just for having to defend yourself that is the issue the writer is asking about, and if buying insurance for this situation is worth it? He really dodged this enormous issue here. Like another mainstream talking-head.

[@JohnDoe-xm2wy]

Dave...just read into it before you say it falls into the “gimmick insurance”

[@gladysover5368]

You are a fool if you own or have access to a firearm if you do not have this insurance

[@confusedcaveman6611]

There's a few key things you have to look for, but I would say it is an absolute must if you aren't rich.

[@sicboy83]

If you can pay out of pocket for a lawyer, you probably don't need carry insurance. However, in a state like California you should look into insurance if you legally carry. USCCA is good and so is US Law Shield

[@billlong9109]

You got to be careful which you chose. Read fine print of coverage

[@lancecochrane9302]

If you have not researched any of these policies, or read any, how pray tell can you offer an opinion like " they are gimmick" policies ?

[@cliffordschaffer5289]

Because, for starters, look for their licensing. Do they even have any? If they don't have a license, do they give you some malarkey explanation why they are exempt from insurance laws? Do they claim membership organizations don't need a license? That's a lie, too. If they even have a license, is it only in Texas and not in your state? Texas is the worst licensing. NY is the best. None of them are allowed to sell insurance in NY. That tells you something, right there. If they are not in your state, then your only recourse is to write them an angry letter. Do they claim to pay for your criminal defense? If they do, then they are lying. That's illegal. Period. And, so forth. How many pages do you want of reasons? Take any of those policies to your homeowners insurance agent and have them explain all the reasons it is a worthless policy. There are lots of them.

[@chaplainpaul5326]

Dave should be wise enough not to give an opinion if he knows nothing about the subject.

[@cliffordschaffer5289]

He should have mentioned that offering insurance for criminal defense is illegal, among other things.

[@chaplainpaul5326]

@@cliffordschaffer5289 somehow there are several thriving membership organizations doing exactly that. It's illegal in NY and NJ, but the rest of the country seems ok with it.

[@cliffordschaffer5289]

@@chaplainpaul5326 If it isn't legal in NY then it is because the regulators there have determined that it is either a ripoff or actuarially unsound. That is, math says they won't pay their claims. If they are not licensed in your state then your only recourse for an unpaid claim is to write an angry letter. If they tell you that they don't need a license because they are a "membership" organization, run away. Someone is lying and trying to fool you. NOBODY is going to send you thirty grand for a criminal defense attorney retainer when you call them from jail. Such insurance is flatly illegal. If civil liability is your concern, take any and all policies to your own homeowners or renters insurance agent (or even a lot of car insurance agents) and have them explain to you how it is complete baloney. Then have them show you a million dollar general liability umbrella policy from a reputable LICENSED company that covers a lot more for about 15 bucks a month. That's for starters.

[@cliffordschaffer5289]

@@chaplainpaul5326 Just to be clear -- offering insurance for criminal defense is illegal EVERYWHERE, not just NY and NJ. It is called a "moral hazard." Offering to pay someone's criminal defense could make them more likely to commit crimes. Therefore -- illegal and unenforceable, even if you bought it. It is not legal anywhere to offer insurance for moral hazards. ANYWHERE. That's probably why they are not licensed to sell insurance in your own state. Ask your own homeowners agent.

[@Mr.Vet1969]

@@cliffordschaffer5289 If you would take a breath and actually research the organizations that offer self-defense insurance you would discover that you are wrong on every point you made.

[@bobbartholomew8404]

Dave I have USCCA membership, and they pay up front If you have to use any weapon for self defense. I would not carry without it. You can win the legal case and then the civil case can really clean you house. I have up a million Dollar coverage for a civil case, and it only Cost me 30 Dollars a month. Like I said in the beginning I would not carry without. They have a hour days a week number too call.

[@pastorpaulfbc]

I was with USCCA until I discovered that US LawShield has the same or better coverage for less than half the cost! Everyone who is willing to defend her/himself or others could benefit from having it.

[@Whitehawkvisionfilms]

I wish you would make the effort to see if it there were policies that were not "gimmick insurance" for us so we do not throw $ away or not get a viable policy when the costs are as you say, "a million bucks" and we wish we had the insurance... please check them out for us poors that live amongst the dangerous. Having concealed carry insurance certainly would not make me braver or more aggressive but good people are being sent to prison for someone's political agenda and protection against that is a very real scenario. God Bless us and may we all live in peace!

[@umbra9628]

I also carry every day, and everywhere I go, and I avoid going any place I cant legally carry

[@williamchiusano3185]

Yes Dave Ramsey... Please Do Review and also Please Compare the CCWSAFE USCCA and NRAs Insurance If you would and Please Let us Know Thank You Dave You are doing good work WJC IV

[@bongoscot]

Im torn on this topic because my experience with any insurance is that they find ways to avoid paying. Every one of these companies have a ton of ways out built into their contracts that can get them out of real world situational issues

[@MarkENorman]

Dave, even if you are not interested in self-defense insurance, many of us would like to hear your perspective after researching it.

[@MD-ky4ho]

Don’t waste your money on ID Theft insurance, just put a freeze on your credit. I have had one on my credit bureaus for about 15 years now.

[@warnut8]

This is just one big humble brag about him being rich.

[@WawakGuitar]

Many of them have wording that says they won't cover you if you are charged with a crime.

[@TheDjcarter1966]

But you can afford a lawyer most of us can't.

[@fubarnow8907]

He Knows nothing about it YET calls it "Gimmick Insurance". WTG DAVE

[@cliffordschaffer5289]

Yeah, because insurance law says that it is illegal to offer insurance for criminal defense. Also because, if they aren't in your state, then you have no way to dispute a denied claim. They can tell you to stick it and there is nothing you can do. And, for a lot of other reasons that your own homeowners or renters insurance agent can explain to you when he shows you a million dollar general liability umbrella policy from an actual reputable licensed company in your state that covers a LOT more for about 15 bucks a month. Ask anyone who knows insurance. Gimmick is the best you could call it. Worthless trash is a better description.

[@David-hi5nd]

I agree with Dave on most things financial. I really think you need to do some research on the subject. I've been with USCCA for several years now, and feel it's well worth it.

[@russdenney]

Dave, you need to do better my friend. You admit you haven't read these policies, haven't done the research, and then go on to call it "gimmick insurance."

[@robpazdziorko1649]

I've heard that USCCA makes you reimburse them if you lose your court case. Is that true?

[@Steven-rp8zo]

true.

[@cliffordschaffer5289]

And it is illegal to offer insurance for criminal defense. And, if they don't pay a claim and aren't licensed in your state, then your only recourse is to write them an angry letter. Call your homeowners agent and ask them to compare this with an umbrella liability policy.

[@InstructorMike]

Bad advice.

[@NaztyNapkinz]

Not sure why you make a video on something you don’t understand