Insurance

Anyone get this insurance, or something like it?  Post self-defense shooting insurance.

Defraying post shoot legal costs.  It makes me feel kinda hinky.  Why?  Sentences like this: 

"Bail assistance: The Network provides up to $25,000 to post bail on behalf of a member who has used force in self defense"

So, a fella calls, sez he needs bail and then they go...  'Whelp it doesn't look like self defense to us, you are on your own buddy.'  After skimming the police report, or whatnot.  Other things of that nature.  What if you legitimately defended yourself but lose the court case anyway?  Do they want their money back?

Maybe I am just over paranoid and suspicious.  And I am sure reams of legal documents come along with the policy just like my car insurance stuff.

Cost seems high:  "New members pay $125 for their first year's dues and renewing members pay $85 per year. Members can add a member living in the same household for an additional $50 per year."  I am thinking few member make a claim on their policy, but also they probably don't have thousands and thousands of members.  I pay 7+ times that for a car insurance policy every year, but claims on car wrecks are much more frequent...  I dunno...