Gun Control

Quote: Tanko

When that happens, the insurance companies are required to notify the state, and the uninsured's vehicle registration is suspended.

If a gun owner was required to have liability insurance, and cancelled or allowed their insurance to lapse, the state could send police to conflate their weapons.

They should also limit the number of weapons a person can purchase over a period of time.

Most states, including NY and NJ, follow the federal law that allows bulk purchases, with no limit on the number of guns that can be purchased in a given time period

Liability insurance would be very effective gun control and probably against the constitution. What insurance company would take on the liability with any meaningful policy limits. Of course any disadvantaged group wouldn't be required to get insurance since that would be a racial or unfair law so you would have to give them a work around.

Quote: kenarman

Liability insurance would be very effective gun control and probably against the constitution. What insurance company would take on the liability with any meaningful policy limits. Of course any disadvantaged group wouldn't be required to get insurance since that would be a racial or unfair law so you would have to give them a work around.

The best thing about car insurance is if you don't have a car you don't need to pay it. If you keep your driving record clean it is cheaper.

i'd be fine with that for guns.

Quote: Tanko

When that happens, the insurance companies are required to notify the state, and the uninsured's vehicle registration is suspended.

If a gun owner was required to have liability insurance, and cancelled or allowed their insurance to lapse, the state could send police to conflate their weapons.

They should also limit the number of weapons a person can purchase over a period of time.

Most states, including NY and NJ, follow the federal law that allows bulk purchases, with no limit on the number of guns that can be purchased in a given time period

They don’t do anything to those drivers unless they commit another violation. If you have valid sticker and don’t get pulled over, nothing happens.

It could work, but they would have to do things much differently than with registrations.

Quote: kenarman

Liability insurance would be very effective gun control and probably against the constitution. What insurance company would take on the liability with any meaningful policy limits. Of course any disadvantaged group wouldn't be required to get insurance since that would be a racial or unfair law so you would have to give them a work around.

Liability insurance for guns makes no sense. What are you going to insure against? No company will pay a claim if you buy a gun and shoot a place up.

Quote: AZDuffman

Liability insurance for guns makes no sense. What are you going to insure against? No company will pay a claim if you buy a gun and shoot a place up.

It's the same as car insurance, if you use your car intentionally as a weapon it will not cover you, but it will cover you for genuine accidents. For example many policies will not even cover you if you have alcohol in your system at the time of collision, let alone using your car as a weapon (which is sadly another common trend in pedestrian heavy areas.....)

It would mostly be good to cover injury and property damage from accidental discharges or missing the target or that kind of thing.... It would not be there to cover the legal costs of mass shooters....

Quote: AZDuffman

Liability insurance for guns makes no sense. What are you going to insure against? No company will pay a claim if you buy a gun and shoot a place up.

No insurer has to give you liability insurance if you have too many risk factors. No proof of insurance, no legal gun purchase.

Evaluation of risk for gun misuse done same way it's done for any other insurance. House, theft, car, business, has stats about higher risk people or things to insure.

Quote: rxwine

No insurer has to give you liability insurance if you have too many risk factors. No proof of insurance, no legal gun purchase.

Unconstitutional.

There's even the possibility of sports car vs grocery getter analogy.

If that kid in Texas was only allowed one 22 cal 6 shooter revolver... it would have been harder for him to get to where he was going to do what he did.

Quote: kenarman

What insurance company would take on the liability with any meaningful policy limits.

Not unconstitutional. Most homeowners policies cover accidental shootings on premises. My homeowner and high limit umbrella policies with a major carrier, cover me for an accidental shooting. The umbrella policiy broadens the coverage.

Quote: Tanko

We will never see any meaningful gun control laws. Neither party wants to pass them, and the Dems refuse to enforce them.

Case in point.

Yesterday, Schumer refused to allow a vote on a Republican proposed School Safety Bill, the parents of the Parkland victims have been trying to get passed for years, because, according to him, ‘it would see more guns in schools’.

How's that?

Real reason. It wasn’t a democrat proposed bill. Screw the kids.

"The bill, would require the Department of Homeland Security to establish a "Federal Clearinghouse on School Safety Best Practices" for use by state and local educational and law-enforcement agencies, institutions of higher education, health professionals, and the public.”

The dems want to instead pass their 'Domestic Terrorism Act' which will create "an interagency task force to analyze and combat white supremacist and neo-Nazi infiltration of the uniformed services and federal law enforcement agencies.". Might as well include werewolves, vampires and aliens while they're at it.

No mention of BLM or Antifa.