This gun carry insurance seems like an answer to a question nobody was asking. Is this pushed mainly by CCW instructors?
It's a question nobody asks, until they have to use their gun.
Plenty of cases where the defender is arrested and charged with a crime. Happens more in states like New York, than in Texas, but it happens.
I know a guy who had an ND in his apartment. He dutifully reported it. The police, in Virginia Beach, showed up with multiple patrol cars.
He was arrested and charged with a crime. Now, he's going to spend about $2,000 (or more in attorney fees) and will likely have the charges dropped. HE reported it. HE was responsible. HE got charged with a crime.
If you look at how many cars were dispatched, on HIS phone call, it's clear that the cops decided, before they even go to the scene, that he was going to be charged, because they sent half a dozen officers to the scene.
It's a fallacy, it's wishful thinking, to assume that if you defend yourself, you won't get charged with a crime. A person who discharges a firearm, lawfully, and in self-defense, is often charged with a crime and has to spend big bucks on attorneys to have the charge dropped or to be acquitted in court. You have no way to know what the cops will think when they show up, no way to predict that you'll be charged or not.