Quoting Jude ♥ JGL:" You are involved in a hostage situation. An armed man is holding you with a gun to your throat. A police ... [snip!] ... shoots the gunman and you in the process. For the sake of D&D, we'll assume the shot did no lasting damage. Would you sue?"
Absolutely not. The police officer saved my life and my insurance would cover my medical bills. Whatever wasn't covered, we'd pay on our own.
Luckily we'd never be in this situation because we both concealed carry at all times and DH used to be a Firearms Instructor
We love our guns!