He didn’t have Second Call Defense then, but he does now

Many people mistakenly believe their Homeowners and Umbrella insurances cover a defense situation, and even my own insurance company gave me the wrong advice on this point. A friend of mine showing, but not firing, a gun to prevent a violent attack had to spend $5,000 in legal fees and much time to avoid drastic penalties. He didn’t have Second Call Defense then, but he does now!