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have searched the forum, didn't find any info on this so this post, if there is a thread sorry if i missed it, but asking... been hearing and seeing some commercials for insurance in case you end up actually having to shoot someone in self-defense, they say can offset cost of lawyers to defend...

These are mostly used by law enforcement guys, but have any of you guys used or know much about them. Looking to buy a pair for a less than lethal addition to my arsenal, but am not sure if using them in defense wouldn't get me into some kind of trouble if would be setting a precedent etc. If...