OK hang in there and read entire post... What if there was an insurance that only CCW permit holders (as the state has issued a permit based on the proof of competence in the safe use and tested on legal aspects of gun ownership) could obtain that would cover up to 30k in legal cost in case of a shooting incident. We walk around hoping we never have to fire in self defense or defensive of other person however, if we need to we are ready to defend ourselves right. So we have all heard the saying "every bullet has is a lawyer attached to it" right. So if the stats of CCW holders vs. CCW holder involved shootings are considerably low; why wouldn't NRA or other org. offer something like this. There is a great market as this could be offered in the CCW class I was thinking something like 30 bucks a month and you can choose an attorney in the plan so there are pre-negotiated rates with them so if the cost goes over 30k you can hopefully still have a good defense. If you are forced to use your weapon in the defensive of your person or other you could call your attorney and not get a public def. I know divers have D.A.N insurance (health and air lift etc.) as this is a possibility that while diving you may have a accident or surface to quickly and need special care, so they offer protection that hopefully you never need. I would pay 30 bucks a month for a service like this.... And if something like this exists how do I get it!!!