There is a very informative article this month in this months Concealed Carry Magazine called " Seeing the Gun" which cites 2 different cases where charges were filed based on whether a self defender had " seen the gun" before firing.
On page 106 and 107, there is a description of a man who returned home with his son and children only to find strangers parked in the yard who opened fire on them without provocation. The wounded son ran to the car to get the kids, while the father retrieved an AR and returned fire upon multiple armed attackers. One of the 7 men fell getting out of the car during the attack and was shot by the father. Since this was Portland, the father was charged with attempted murder because he had not seen definitively that the man had a gun. It was all clearly caught on video.
It sounds like he didn’t have coverage because he sat in jail for nearly a year then was offered a plea for time served. He took the plea.
I also recently read that if all cases went to a jury trial, the states would go broke. DA’s play games with delays and extensions to add costs to defendants , driving them to settle even if innocent. Most insurance companies do this as well. General Contractors and subcontractors will find that even if they did no wrong, an insurance company will settle rather than pay the more expensive cost of litigation, even if the contractor is innocent of the charges in a frivolous lawsuit by a homeowner.
My question which I have not seen clearly answered is:
If a Progressive/ Liberal DA wrongfully charges a self defender with a crime even in a clear cut incidence of self defense and they play games to beat a self defender into submitting to a plea deal, is that covered by USCCA? They are charged with a crime, and they plea to a lesser crime even though most jurisdictions would have never charged them. Is this enough to get coverage dropped?
I live in California, we love to let criminals go, but hate people who defend themselves against such criminals. We have had a wave of armed robberies in my town, last week someone was shot in a robbery at Home Depot. Another in the face while a friend filled a gas tank at a station. I would imagine one might get charged for discharging a gun in a public place even if all shots hit their intended target in such instances or they would find something to charge you with.