Insurance is meant to protect you from the unexpected. You never know when will you be forced to use your licensed firearm in self-defense. Even if you have acted lawfully then also you will be charged with a crime and until you can prove that you acted legally in your self-defense.
So, to prove yourself correct you need to hire an attorney. This all process of defending yourself will cost you more.
If in the case you are not charged with a crime or you are cleared in the criminal court then you may be asked to pay for the bodily injury or the property damage that has caused because of your action.
This is the reason gun owners have recognized the need for a concealed carry insurance which protects them from the cost that might occur on them with the use of their firearm.
Below are some of the gun incidents wherein the insurance will help you in paying for your defense:
There are several licensed gun owners available nowadays. The guns are usually kept by them to protect them from the unexpected situations. So, if any situation has compelled you to use your firearm then a thorough investigation will be conducted and also you will be charged with a crime.
So, in this case, the insurance provider would be responsible for spending all the money in the case.
Negligent and reckless discharge
there are several states who prohibit the negligent discharge of the weapon like celebratory shooting, etc. If you fire a weapon and someone gets injured or some property gets damaged then also you will be charged with a crime and you need to defend yourself in this case also.
So, these were some of the instances wherein the use of a gun may lead you to pay for the damages if any. You can also check this useful reference to know more about the concealed carry insurance.