According to my research:
o If you use a firearm you can face a criminal suit, then a civil suit.
o You have no control or say in whether either or both suits are brought against you.
o It typically costs $50K to $100 to defend against a criminal suit, and $100K to $150K to defend against a civil suit.
o Whether or not you ultimately prevail in court it will still have cost you all that money.
o Self defense insurance policies, of which there are only two or three available in the USA, will only reimburse you AFTER you have been acquitted, etc. You still have to come up with the cash up-front to fund your defense. (I don't have that kind of cash.)
o The Armed Citizen's Legal Defense Network (
http://www.armedcitizensnetwork.org),of which I'm a member, was set up to address this gap. IF you're a member, and if their board of firearms self defense experts judges that you appear to have acted within the law, then they will immediately supply a retainer to get your attorney started on your defense, will supply more funds as your case progresses, and will provide expert advice and support to your lawyer.
o The US Concealed Carry Association has combined these two, and at a very reasonable price provides both insurance and a legal defense fund. I'm a member of this association, primarily for the insurance: which is cheaper and has more coverage than then NRA insurance.
Hope this summary helps.