That's why I use Westfield. I'll be in Florida and Belize in June.I assume from that the possibility exists that the legal situation is different (or potentially so) in other states? This is an issue for us non-US visitors as we often assume (wrongly) the USA has one law for the whole country.
I have always had DAN insurance which includes legal expenses, however the BSAC Malta case made me realise the level of cover is inadequate (risible in fact). For us Europeans DAN does not cover the USA either.