Very good points, Van.
For the same reasons I do not feel totally comfortable with the coverage either, but like you said, $99/year, what the heck. Cheap "insurance" although its not exactly insurance.
Just to be sure, even though I have absolutely no interest in getting into any hassles, I do carry the phone numbers of three local attorneys with me. You just never know.
Again, I am only talking about us trained karate folks who hopefully have a little more common sense in such matters. Those who can't tell the difference between a little shove and a knife aiming at them are not the ones I concern with.
Fortunately, based on current events, we do have several local cities where the city attorneys have demonstrated reasonableness when it came to shooting incidents and sided with the shooters. Would I be that lucky? Probably not.
Life is unfair. 50/50 chance and you can count on getting the wrong one. At least I can count on it.
I posted the following on another thread:
----- you will need proofs that you were the good guy if action is inevitable. Therefore the yelling to stop shown in the video would also attract witnesses and get on the security camera(s) if any. As a matter of fact, whether it is a fist fight or gun shooting, make as much scene as possible to the witnesses before any action started that you attempted to de-escalate, that you had no intention to do him any harm. It may just help you a lot in the aftermath if the thug/punk/bg is injured or killed, but must remember though, you will still be in trouble regardless.
Why? Because life is unfair.
So, it is best just swallow your pride and walk away if at all possible. Your life is much more valuable than any of those punks. Let someone else teach him a lesson. Can't be that long of a wait.