Originally Posted by Collects

In every state of the USA, it is against public policy (meaning, illegal) for insurance companies to pay for most* intentional acts that cause damages (ie, crimes), because we, the people, do not want criminals to do their dirty work, then make an insurance company pay for the damages the criminals cause.

*Most. Many homeowners policies cover defamation (libel and slander), which are intentional torts (civil wrongs).

Thus, before an insurer may legally pay a claim on a self-defense policy, it must be determined that the insurer acted in legitimate self defense, and did not commit a crime.

Ohio has statute to the effect that, if one shoots an assailant in justified self defense, and it is so determined by the authorities at any of the times when it could be so determined, then the legitimate defender is statutorily immune from having to pay any damages to the attacker whom the defender was forced to shoot in self defense.