Blue7, the thing is neither of us is 100% sure of what these programs will cover and the terms of coverage or we wouldn't be discussing it I guess. It's all legal and both have their wiggle room. My only response is that I would rather have the language of CCW Safe regarding "no admissible evidence of self defense" then "justifiable force". Who knows, maybe they say the same thing. My complaint with ACLDN when responding to the FAQ I posted above re would they defend me if I was found "not innocent" was the gobblydgook offered rather than yes or no. If you are found "not innocent" (which means guilty) then it was not justifiable hence no coverage. Why didn't they just say that?

In the end, either plan is probably about the same I guess. I am going to be away from the computer for awhile so can't respond for about 10 days and by then this will probably be a dead thread. this has been a good discussion, thanks.

John