Coverage with USCCA or CCW Safe isn’t guaranteed, of course not. But Kayla Giles is a pretty bad example to tie your horse to. She bought the pistol, got the insurance, and googled if it was self defense to shoot someone from your car days before shooting her soon to be ex. Her daughter never saw her father lunge or make any threatening movements. She deleted incriminating data from her phone/laptop before the shooting. No, I wouldn’t cover her for self defense either.
It’s not perfect, as they can’t cover illegal acts. That sucks if you end up being found guilty. But hey, you have bigger worries then. And in instances with pretty clear wrongdoing they can drop you, like with Kayla. She was shady as hell.