John, I'm sorry I haven't been able to make it any clearer than I have already and this will be my last attempt.

You are, I believe, misunderstanding the coverage. They, (the companies), are not paying after the fact and no verdict of "guilty" or "not guilty" will have been rendered before their decision regarding ongoing coverage has been provided to the member.


They are either going to pay the costs of a trial, expert witnesses etc or they will have rendered a decision not to based upon the totality of the facts and evidence available from the police report and your legal representatives.

If they pay for a trial and one is subsequently found guilty, the funds expended are not owed back to the company by the member...in fact they may very well cover the costs of appeal as well.

Anyway, it's up to everyone to do their own homework and due diligence. I have done mine and am satisfied with the costs and coverages I am entitled to via the organizations I mentioned in an earlier post.

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642-1, M&P15 TS