They are not going to attempt to weasel their way out of a claim. There is too much completion between companies and the Gun community is relatively small and tight knit. IF one of these companies tried to do that, word would get around quick. Most of these policies pay up front whether you go to jail or notI'd be leery of joining if they had the power to essentially say "we don't believe this was justified, etc., so they could refuse to pay legal fees. I'm definitely considering something like this. It would definitely be better than no insurance, but like I said, I'd like to find out if they could possibly "weasel" out of it for any reason if you were carrying lawfully & not under the influence.