An In-Depth Review of USCCA VS US Law Shield Insurance
So many people have been emailing us lately.
With all the rioting, looting, and civil unrest across the country, concealed carriers everywhere want to be 100% sure they are protected.
That’s why I reached out to the USCCA directly and asked them the TOUGH questions.
The answers may surprise you!
Take a few minutes to watch – then get signed up for the USCCA using this link: https://bit.ly/3ludPFK
Andy the Gun Guy Grills the USCCA With the TOUGH Questions People Are Afraid to Ask
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Here’s the full transcript from the interview with USCCA:
Andy the Gun Guy 0:08
All right, everybody. Welcome to another live live interview with Andy the Gun Guy.
have an awesome guests that I’m super excited to talk to you. Today we’re going to be talking about concealed carry insurance. A lot of people have a lot of questions, especially in today’s day and age, about what’s going to happen if they have to use their firearm in self defense. So today, my special guest is Mike Bauer of the US CCA here to talk about firearm insurance, US law shield and a whole bunch of other stuff. Mike, thank you so much for joining today. Andy, I
Mike Bauer 0:42
couldn’t be more excited to be here. So quick background on me that you’ve asked for, you know, Mike Bauer, I’m the regional manager for our outside sales team. I’m located here in West Bend, Wisconsin. And ultimately, what I do day to day is I work with over 100 amazing people who go out and create very strong partnerships with ranges, retailers, and ultimately guys just like yourself, Andy, in order to be able to call it spread the gospel, the uscca, what we can do to truly help people in their self defense journey. So super, super excited to be here. And I really can’t wait to dive into things.
Andy the Gun Guy 1:15
Hey, hey, perfect, man. Perfect. So, you know, a lot of people you know, that are that are out there carrying? Right? You know, they feel that they feel an inherent sense. And and I’m guilty of this, too, we feel an inherent sense that we really trust the American legal system, right? We really support law enforcement, we really believe in the legal system, you know, so tell me, why is it that we would need concealed carry insurance because America has the best legal system in the world. And we feel inherently that we can trust it.
Mike Bauer 1:46
It was a great question that we get all the time. And I totally agree. You know, at the end of the day, the one thing that we have to understand, though, is that regardless of the exact place that we live, and the exact circumstances and and how the judicial system works, you know, at the end of the day, when there is a worst case scenario where someone needs to defend their own life, or that or the loved one or someone else, ultimately, they’re just going to have to prove that what they did, is justified. And what we see all the time, regardless of whether it’s a self act of self defense, or some other legal matter, you always need to make sure that you have some sort of professionals to help walk you through and guide you through that system. It’s not something that you want to go alone. If your house starts on fire. Yeah, you’ve got a fire extinguisher, you’re still going to call the fire department. Yeah, that’s, that’s
Andy the Gun Guy 2:34
a valid point. I mean, you know, I, when it comes to me cooking, I’ll tell you, I do have that fire extinguisher ready to go. And I’ve used it multiple times, it is a mess to clean up. But But I agree with that, you know, you know, just like we carry a gun, just in case we’re not carrying a gun, because we’re afraid of, you know, having a situation where we need to use the gun, we’re carrying the gun, the same reason that we’re wearing a seatbelt in our car, right? It’s, it’s, God forbid, that accident should occur, that seatbelt is an extra layer of protection. You know, of course, safety is number one. But that seatbelt there is is is really number two. And then of course, having car insurance on your vehicle is a wise thing. And again, we don’t have insurance on our vehicles, because we’re afraid that we’re going to get into an accident. We have it just in case of the worst case scenario. So you know, Michael, here in Florida, we enjoy special protections. And what I mean by that is, I’m just going to hit the share screen button here and share a little snippet of Florida statute that I think is a is a wonderful barrier to being, you know, sued in a court of law. Florida 776 dot 032 says, a person who uses or threatens use of force permitted in these couple of chapters is justified in such an as immune from criminal and civil action from the use or threatened use of force. Okay, so this is basically giving concealed carriers who are in the rights, protection from civil and criminal action. So why would a Floridian need us CCA if the law already protects us?
Mike Bauer 4:12
Yeah, absolutely. So number one, I’ll go back to regardless of where you’re at. The first thing we talked about is you still want to have that sort of legal counsel walking you through something if the police show up. The last thing that you want to do, we’re totally pro pro police. We back the badge and all that stuff, and I’m sure you do the same. But if something comes up and altercation comes up, you want to make sure that you have the right legal counsel just to walk you through it. And here’s the thing 776 point oh, three, two, that’s a great statute. I wish that type of thing happened. That was there in every single state but the way that Allen diamond and attorney top criminal defense attorney in Florida likes to put it look that that statute covers us for this little thin black line. That means if this person directly that came and attacked us, we are completely in 100% criminally cleared they can no longer come after us under certain implications. There’s two things that can come up, though. Number one, what about the fact of you know what happens if you miss your target? I heard certain people talk about what happens if that bullet goes through drywall or a window of the store next door, they’re going to look to recoup those losses, who do you think they’re going to come after? 776132 does nothing for you. Number two, the other thing is, have you ever Are you familiar with the expert witness? massada?
Andy the Gun Guy 5:31
You tell me.
Mike Bauer 5:32
So massada, you as a former law enforcement of 30 years, want to say retired in one and to now became one of the top expert witnesses for firearm self defense cases. Ultimately Think of it this way, if a top criminal defense attorney needs to bring someone in to say this is why a top tier training for police officers and civilian while you’re trying to act in a certain way, they’re calling someone like this guy, and he’s the number one go to to help talk about to someone on a jury who has never touched a firearm, why you would have pulled your firearm in that instance. And without going into the full details. Ultimately, there was a story where he was a expert witness on the civil side in Florida. There was someone broke into a home, the person who lived at that home grabs the first available tool to him which happens to be grandpa’s old hunting rifle, uses said rifle to defend himself. police show up police a while this isn’t this was absolutely 100% self defense, no charges no nothing. As a matter of fact, this was a rare instance, they didn’t even bring him in for questioning. Fast forward, this person is ultimately being sued by the attackers family for basically everything. And the reason why they ultimately landed in civil court in Florida. And the fact that Masada you had to be a part of it was specifically the fact because there were no charges that were brought forward, there was no momentum of closure on the criminal side. So it didn’t hold true that 7761032 until they got to court in civil court. Here’s the crazy thing. Andy, I thought of you talks about all of that sucks. This is a 14 year old, and a 14 year old can be tried as an adult in Florida. So again, that law is excellent. And I wish that it would hold 100% of the time, I wish it was in all 50 states. But we live in a black and white world of laws in a day to day very gray society. So again, at the end of the day, we hope you never need to use a lot of our services on the legal side. But when you do, you’re gonna be really happy that we’re there and someone’s there to help you out.
Andy the Gun Guy 7:28
I think that’s that’s a valid point. You know, the other thing that I that I understand is that even if a lawsuit is thrown out of court, or even if a lawsuit or a criminal action is ultimately, you know, you know, dropped, one of the problems that we face is that you could lose your life savings hiring an attorney, just to get to that that point, is that correct?
Mike Bauer 7:48
Absolutely. I, I spoke with a gentleman by the name of Dave McDermott in South, South Chicago just the other day and you know anything about South Chicago, it’s the place that you want to have your concealed carry license. On the unfortunate side, though, as well, if God forbid, you need to use anything and self defense, coming up with the $60,000 that it would cost to hire him is the type of conversation he has to have with people every single day. And he said, It’s unfortunate that these are people who are, you know, making minimum wage or just above it, and they’re just trying to defend themselves. And now he has to have the conversation of look, I’d love to help you out. But it’s going to cost you 60 grand, because I know how long this process is going to go. And when I met with him three weeks ago, he said, Mike, I just had that conversation with someone two days ago, the very next day, they scrounge up every dollar they could from all their friends and promise to pay them back. That’s a terrible thing to have to go through.
Andy the Gun Guy 8:37
I think that’s that’s a good point. So I I want to get into USCCA coverage and and how it works and everything like that. The first thing that a lot of people ask me when they you know, when I talk about USCCA they say, you know, I’ve got us law shield or you know, I’ve been to a US law shield seminar, you know, what is the difference between US law shield and USCCA.
Mike Bauer 8:58
Look, at the end of the day, we’re very happy that someone understands the idea of having some form of legal protection. And if that’s all you’re looking for, you know, certain programs with that, that are a prepaid legal type program that might work for somebody. But there’s a couple of things that I would just be aware of, regardless of the program, you’d go with. Number one, those types of programs. Very often You have no right to choose your attorney unless you’re paying out of pocket, meaning they’re the ones that are going to assign an attorney for you. And you know, again, without diving into details. Many of the attorneys that we work with simply say that if you’re being assigned an attorney, and you have no say in that for them, and as an attorney, it’s not a program that they’re interested in which you know, again, I’m not that professional, but if that’s what they’re looking at interesting to know. And then the other thing that I would just look at is every single program is always going to have some form of exclusions, what are things that none of none of these programs are obviously going to help you out. If you’re truly going out there and you’re robbing the bank. They never should. We’re not going to do that. Neither is anyone else. But it is unfortunate when you hear things like in 2000 In 18, one out of five murders, were committed by someone who had a intimate relationship with someone not necessarily a partner, maybe just a friend, a former roommate, and things like that. A lot of these programs have exclusions for those types of domestic violence incidents, which again, if you’re not aware that that happens, I have someone who is an instructor who works with us now who sold someone a membership in a different program other than ours, who had to defend ourselves from my boyfriend, ultimately had to go through the same process that we just talked about, but had to pay out of pocket, because it was a former boyfriend. And so that program did nothing to be able to help her out. And this instructor, ironically enough, was the first man on scene because he was also it worked for the sheriff’s office. So, you know, again, I hear from a lot of professionals out there, my job is not to tell someone what they should or shouldn’t do. But in a worst case scenario, just make sure that the person who you believe is going to have your back is upholding to the things that you want them to hold you to. And that’s what we’re here for.
Andy the Gun Guy 11:01
Wow. So one in five, I’m gonna repeat this for the people that didn’t hear that. So you’re saying that one in five murders happen between people who have some sort of relationship with the past. And there are some exclusions on some of these programs that will not protect you, in that situation, like a girlfriend that has an abusive or stalkerish ex boyfriend, he comes out or there’s an exclusion for her to protect yourself, even though she’s paid for this liability, protection, she she may not have access to it, right. And so
Mike Bauer 11:29
at the end of the day, all my my thing is, look, I totally appreciate that people are looking for some form of protection. And, you know, we haven’t even dived in any of the education and training we provide. But if we’re solely looking at that, at the end of the day, it’s you know, we truly believe as a as an organization, self defense and self defense and self defense, if someone’s there, and your fear and threat of you know, fear a great bodily harm. I know as a husband, and Father, I’m going to do whatever it takes. So if I’m solely relying on someone else, to help provide that legal and financial side, I just want to make sure that if I do whatever it takes, and I’m doing it an act of self defense it for all the right reasons, and I’m ultimately going to be justified, I want to make sure that the person who’s who’s heard I have in my wallet is actually going to be able to be there for me as well.
Andy the Gun Guy 12:13
Now, I think that’s huge. So let me ask you this, before we get into the actual pricing tiers, and how it all works, you know, what sort of situations will the USCCA cover one of its members?
Mike Bauer 12:21
You know, the big thing is, you know, we’re here for the responsibly armed Americans. And what we’re looking at is where you inactive self defense? Was it using a legal weapon of opportunity? Meaning was that thing that was in your hands, even if it was your own two fists, or whatever? Was that something you’re legally allowed to have? If I go down to Illinois, I can’t have a fully automatic ar 15. So if I’m acting in self defense, again, it doesn’t matter. So you just got to make sure that you have the tool that is appropriate. And And lastly, we are an American organization to service American. So the US and its borders are the ones that sorry, territories are what we’re going to be looking at.
Andy the Gun Guy 13:02
So you’ll actually protect people from liability and help them out with your program, even if they’re not using a firearm. Absolutely. Wow. Wow, that’s interesting. That’s interesting. So let’s talk about the different pricing tiers. You know, is there a page that I can pull up and share my screen that that shows the pricing? In fact, I’ve got I’ve got the seven reasons to join the US CCA on the screen. Maybe that’ll have it. I’ll scroll down to the bottom here. Yeah, it looks like I’ve got it looks like I’ve got the the tears here. So let me share my screen and kind of walk me through some of the different packages here.
Mike Bauer 13:38
Absolutely. So there’s a couple things that you’re looking at there. Ultimately, we like to keep things very, very simple. But we also want to make sure that we give people the opportunity to choose the pricing tier that works best for them, their financial situation, and where they’re at on their self defense journey. We’re currently in the process of revamping some of our membership and adding even more awesome thing, but as it sits right now, the really cool thing is we’ve got our gold or platinum and our leads. The main differences when it comes to what we’ve been talking about so far on the legal protection side, is the higher you go in the membership, the more legal protection is offered, ultimately, our elite level membership offers up to $2,250,000 in protection on the criminal and civil side, including damages, which is not something that we covered, there’s a lot of competitors that do not cover any civil damages. If and when you are charged with them. We definitely do so again, that’s another difference that we didn’t even
Andy the Gun Guy 14:32
Give me an example of a type of civil damage.
Mike Bauer 14:36
Absolutely. So we talked about that. That 14 year old gentleman earlier let’s say that, you know, ultimately there was a civil judgment. That was a you know, gavel comes down and you owe in certain number $15,000 $150,000 more whatever it is. At the end of the day, our membership offers the protection available for the damages that are awarded because a lot of times the attorneys are expensive and That’s a huge cost to someone. But more often than not, it’s the damages that are awarded in a civil case that caused family’s financial ruin. So that’s a big differentiator that, you know, I’m glad that we’re pointing out a little bit of great.
Andy the Gun Guy 15:13
So what about the other packages? Sure.
Mike Bauer 15:15
So as you move up, you’re going from 600,000 protection at the gold, you go to 1,150,000 at our most popular Platinum membership, and then again, that elite goes to 2,250,000 and protection. The other thing that you get though, Andy, I’m guessing when you took your concealed carry course, it was in Florida, correct? Yes. Was it the last course and training you’ve ever taken on firearms?
Andy the Gun Guy 15:40
For me? No. You know, I’m an NRA certified counselor. So I’ve trained 30,000 people, but I would tell you that you know, of the 30,000 people that I’ve trained, the vast majority of them don’t do more, right. Yeah.
Mike Bauer 15:49
Yeah. And ultimately, it’s a silly question even asked, why would you know, why would someone think you could sit through a short little class, you can fire one round, and all of a sudden you’re qualified to carry every single day, although the last day you have the ability to do so. And I fully back that, as a protector of my family, I know that my CCW class was just scratching the surface. So that’s what we believe, again, we talked about the responsibly armed American. So each level of membership increases the amount of education and training that you can get, the best way to kind of put this into perspective is anyone I show up in your class? I don’t need to know the difference between a 1911 and a Glock 17 in most of your classes, but it would probably help if I knew how to load the magazine before I got there.
Andy the Gun Guy 16:30
Very true. Very true. You know, that’s one of the things that I love about the US CCA is that a lot of your stuff, it’s it’s pure content, right. It’s about learning how to use the gun, learning about other self defense situations. You know, knowing your laws, right. You know, like your CCW reciprocity? I mean, that’s my go to, then it’s been my go to for years, Hey, can I carry in, you know, in Arkansas, when I’m going up there with my Florida permit, you know, you know, all of these, you know, education factors. And it looks like you’ve kind of got a list here of education that differentiated between training and it looks like with your, with your education section on the highest tier, you get up to 70, separate digital guides and ebooks, which I think is absolutely huge. So tell me about this, ask attorney, ask an attorney monthly webinar. Tell me a little bit about that.
Mike Bauer 17:15
Sure. So we’ve had tremendous success across the country with us, especially our team specifically, as we go through a self defense journey, it is natural for me to want to start asking, here I am in Wisconsin, you guys have a little bit different laws, but we have what’s called the Castle Doctrine. What does that mean to me as it applies as a gun owner? You know, does that mean that I have absolute immunity, if someone breaks into my house, those are the types of questions we see all over the place. Now. The especially with COVID can always seem this, you know, the the restrictions on buildings and how many people can be in them events and things like that. Even more popular now has become our online webinars for asking attorney. So even though it’s not always going to be the most specific for your, you know, it’s not always going to be Boulevard County, you know, laws and regulations, we do kind of dive into here’s the general concept of rules like, you know, Castle Doctrine and stand your ground and civil immunity 7761032. What does that necessarily mean to me as a gun owner, and we give our audience the ability to tap into these attorneys ask live questions, and I’ll be the first one to admit this, sometimes I’m a little skeptical. Every now and then I’ll jump on and ask a question. And it is, you know, I don’t put my actual name down. But it’s cool when it gets answered. Because I know, as is a live thing that we get our questions answered.
Andy the Gun Guy 18:35
Awesome. And of course, we can’t give legal advice, but it is a good resource just to get you know, the information and the, you know, specific questions answered So, so guys out there watching, you know, this has been really informative as far as you know, how the US CCA works and why we need concealed carry insurance. So I want you to take action look to become a gold member, the minimum just to get started. It’s just $22 a month. And again, that’s that’s up to $600,000 in protections that not salutely Yeah, that’s that I mean, for $23 a month at the smallest package. I mean, it is totally a worthwhile investment. I am the elite member, you know, this is either $47 a month or 490 $7 $497 a year and, and keep in mind the people that are watching this, I went through a situation where I actually lost my gun rights for 14 days of a false accusation. It could happen to anybody at any time and we need to be be very, very careful and secure our rights. This investment is nothing compared to the trials and tribulations you could literally have to go through so, Mike, I really appreciate you joining and just as a side note any if there’s any NRA certified instructor that’s watching this, send me a private message. I’d love to get you hooked up as becoming you know, somebody that’s helping to teach people about the use of CCA and possibly earn a little bit of income as as an instructor to your students private messaged me on on Facebook or messenger and We’ll get that information to you and those of you who are ready to go, there is a link in the description of this video that’s going to have more information and it’ll lead you right to this page, which is the top seven reasons to join the US CCA today, Mike, it’s been a pleasure. I really appreciate you coming on today.
Mike Bauer 20:16
This was fun, man. Anytime. Yeah. I love always being able to help out audience members. So again, if there’s anything else that I can do to help you out, reach out anytime. This is awesome.
Andy the Gun Guy 20:24
All right, thanks so much. We’ll see you.