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Buying a Gun? States Consider Insurance Rule
The New York Times ^ | Feb 21, 2013 | MICHAEL COOPER and MARY WILLIAMS WALSH

Posted on 02/22/2013 9:32:34 AM PST by EXCH54FE

Lawmakers in at least half a dozen states, including California, Connecticut, Maryland, Massachusetts, New York and Pennsylvania, have proposed legislation this year that would require gun owners to buy liability insurance — much as car owners are required to buy auto insurance. Doing so would give a financial incentive for safe behavior, they hope, as people with less dangerous weapons or safety locks could qualify for lower rates.

“I believe that if we get the private sector and insurance companies involved in gun safety, we can help prevent a number of gun tragedies every year,” said David P. Linsky, a Democratic state representative in Massachusetts who wants to require gun owners to buy insurance. He believes it will encourage more responsible behavior and therefore reduce accidental shootings. “Insurance companies are very good at evaluating risk factors and setting their premiums appropriately,” he added.

Groups representing gun owners oppose efforts to make insurance mandatory, arguing that law-abiding people should not be forced to buy insurance to exercise their constitutional right to bear arms. But some groups, including the National Rifle Association, endorse voluntary liability policies for their members. And as several states pass laws making it easier for people to carry concealed weapons and use them for self-defense, some gun groups are now selling policies to cover some of the legal costs stemming from self-defense shootings.

(Excerpt) Read more at nytimes.com ...


TOPICS: News/Current Events
KEYWORDS: banglist; guncontrol; secondamendment
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Premiums for such insurance range from around $200 to $300 per year; in general, the coverage is narrowly written and excludes cases where a gun is used to commit a crime.
1 posted on 02/22/2013 9:32:38 AM PST by EXCH54FE
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To: EXCH54FE

driving is a priveledge, owning a gun in a right.

You can’t tax guns, anymore than you can take speech, it’s unconstitutional.


2 posted on 02/22/2013 9:35:55 AM PST by TexasFreeper2009 (Obama lied .. the economy died.)
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To: EXCH54FE
I believe that if we get the private sector and insurance companies involved in gun safety, we can help prevent a number of gun tragedies every year,” said David P. Linsky, a Democratic state representative

As with ALL things democRAT, no facts, just feeeeeeeeeeeeeeeeeeeeelings.

GFY!

3 posted on 02/22/2013 9:36:09 AM PST by Puppage (You may disagree with what I have to say, but I shall defend to your death my right to say it)
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To: EXCH54FE

I see a good business opportunity the rats are handing the NRA.


4 posted on 02/22/2013 9:36:23 AM PST by TurboZamboni (Looting the future to bribe the present)
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To: TexasFreeper2009

I meant “tax speech”

grr..... if only FR would add an edit feature.


5 posted on 02/22/2013 9:37:13 AM PST by TexasFreeper2009 (Obama lied .. the economy died.)
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To: EXCH54FE

No matter how hard you try, you can’t fix stupid!!


6 posted on 02/22/2013 9:38:23 AM PST by Doc Hunter
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To: EXCH54FE

A list of who owns what firearms in insurance company records will be soon in government hands.

Something really radical is planned that requires disarming the majority of the population.

obama promised to “transform’ the U.S.; I think Zimbabwe is his model.


7 posted on 02/22/2013 9:39:41 AM PST by hoosierham (Freedom isn't free)
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To: EXCH54FE
Sounds like a great way to build a back-door gun registry.

Click the Gadsden flag for pro-gun resources!

8 posted on 02/22/2013 9:41:25 AM PST by Joe Brower (The "American People" are no longer capable of self-governance.)
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To: TexasFreeper2009

“You can’t tax guns, anymore than you can tax speech, it’s unconstitutional.”

Constitution? What is this constitution you speak of? Obama, the Obama media and the Democrats find the constitution to be fatally flawed, and simply an impediment to “progress”. And fortunately for them, the GOP is filled with bed wetters who would rather cower than to oppose the Obama cabal’s illegal activities.

Democrats will do as they wish.


9 posted on 02/22/2013 9:41:31 AM PST by brownsfan (Behold, the power of government cheese.)
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To: Puppage

I think if you are a democrat you should pay for liability insurance for that reason alone. Having such political allegiance results in great damage to yourself and to the community at large. I am sure that this can be proven statistically if I had the time to do so.


10 posted on 02/22/2013 9:42:14 AM PST by 3Fingas (Sons and Daughters of Freedom, Committee of Correspondence)
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To: hoosierham

Most of my items are third party buys or trades. Good luck on proving I have any.


11 posted on 02/22/2013 9:42:47 AM PST by Resolute Conservative
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To: EXCH54FE
Hmmmmmm.

No mention that this would be defacto registration.

Do they suppose nobody will notice?

12 posted on 02/22/2013 9:43:35 AM PST by diogenes ghost
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To: TurboZamboni

Americans already have to spend too much of their income on insurance and you think more is good?

Look at all the activities that can no longer be enjoyed due to liability because of feal lawyers.

And how are people unable to meet obamacare mandates going to afford gun insurance ?

This is aimed solely at discouraging firearms ownership, and should be stopped.


13 posted on 02/22/2013 9:43:49 AM PST by hoosierham (Freedom isn't free)
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To: EXCH54FE

Let’s tax homosexuals...they COST more than most in the medical system


14 posted on 02/22/2013 9:45:04 AM PST by goodnesswins (R.I.P. Doherty, Smith, Stevens, Woods.)
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To: EXCH54FE

So how are they going to make crooks buy “firearm insurance,” eh?
And, if they won’t buy, what is the point?


15 posted on 02/22/2013 9:46:36 AM PST by Little Ray (Waiting for the return of the Gods of the Copybook Headings.)
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To: hoosierham

I never said it was good.

Just saying that the NRA could take lemons and make lemonade. (sort of like they do with theft insurance on firearms when you become a member.)


16 posted on 02/22/2013 9:48:16 AM PST by TurboZamboni (Looting the future to bribe the present)
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To: EXCH54FE
Lawmakers are going to start needing insurance, if you get my drift.
17 posted on 02/22/2013 9:48:57 AM PST by E. Pluribus Unum ("Somebody has to be courageous enough to stand up to the bullies." --Dr. Ben Carson)
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To: EXCH54FE

Yes I’m sure that all the violent ghetto thugs will run out and purchase a policy before they rob the next 7/11. :-)


18 posted on 02/22/2013 9:49:58 AM PST by Georgia Girl 2 (The only purpose of a pistol is to fight your way back to the rifle you should never have dropped.)
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To: EXCH54FE

Drawing parallels with owning guns and owning cars is just stupid. Drivers will be mighty upset at all the new laws, regulations, and fees they would now have to deal with.


19 posted on 02/22/2013 9:51:51 AM PST by jughandle
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To: EXCH54FE

This could be very costly to folks who have a large number of guns that were not lost in boating accidents. This could be really bad for me.


20 posted on 02/22/2013 9:55:15 AM PST by umgud
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To: EXCH54FE

Yeah, I’ll bet the local State Farm Agent in Compton will make a fortune. /s


21 posted on 02/22/2013 9:56:35 AM PST by Kickass Conservative (When the Sheep elect a Wolf to lead them, it's time for the Sheepdogs to move to Texas.)
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To: TexasFreeper2009

Bingo.


22 posted on 02/22/2013 10:03:21 AM PST by Girlene
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To: Joe Brower

I think so too so that it will be easier to go straight to your house when they decide to confiscate guns. Does anyone truely beleive this is not aniother ploy to take our guns and constitutional rights to keep and bear arms? remember when Obama and Holder said they had a plaçn to controll guns?


23 posted on 02/22/2013 10:04:56 AM PST by Americanexpat
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To: EXCH54FE

I always said they wouldn’t take our guns directly door to door, but would tax and regulate guns and ammunition until they are no longer affordable by most people.

That is the plan and they are going full bore to execute the plan.


24 posted on 02/22/2013 10:06:27 AM PST by Freedom_Is_Not_Free (Free goodies for all -- Freedom for none.)
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To: hoosierham

Another mandate that I will not comply with.

Won’t register my AR’s and will not insure any of my weapons, at least not the type of manner suggested by the writer here.

Will not buy ammo in NY either


25 posted on 02/22/2013 10:07:04 AM PST by Ouderkirk (Obama has turned America into an aristocracy of the unaccomplished.)
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To: EXCH54FE

And abortion clinics in red states will now require $10 billion of liability insurance.


26 posted on 02/22/2013 10:09:48 AM PST by SampleMan (Feral Humans are the refuse of socialism.)
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To: umgud

I am sure their proposed laws will have a requirment to have proof of insurance when in possession of a firearm, like at the range or hunting or stopped by some storm trooper on the highway for a vehicle check. Interestingly, some propose to make it a felony to not have insurance. I see, illegals driving cars with no insurance are not a menace, me going to the range is? F em.


27 posted on 02/22/2013 10:12:05 AM PST by Mouton (108th MI Group.....68-71)
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To: Doc Hunter

I wonder if it hurts to be stupid?


28 posted on 02/22/2013 10:14:57 AM PST by tayper (Granny told me, Saying it don't make it so)
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To: TexasFreeper2009
You can’t tax guns, anymore than you can take speech, it’s unconstitutional.

We have no Constitutional law, but a communists form of Government. In order for this new law to be effective they will have to pass another law requiring listing all guns we have and house inspection will be enacted. Communism, like Nazi Germany is here. Fight this.

29 posted on 02/22/2013 10:18:45 AM PST by Logical me
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To: EXCH54FE

Sounds like these assclowns need to read “shall not be infringed” again, if they’ve EVER read it....

Let me guess: 99% of these jerks are DEMOCRATS.


30 posted on 02/22/2013 10:20:30 AM PST by SoFloFreeper
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To: TexasFreeper2009

I am against any insurance requirement for anything. Imposed insurance is killing our nation and our liberty.


31 posted on 02/22/2013 10:23:27 AM PST by Theophilus (Not merely prolife, but prolific)
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To: EXCH54FE

If it:

Looks like an infringement.

Smells like an infringement.

Feels like an infringement.

Has the effect of an infringement.

Then it must be an infringement.


32 posted on 02/22/2013 10:26:19 AM PST by Iron Munro (I miss America, don't you?)
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To: EXCH54FE
Bad idea.
We used to pay for health insurance, too. Look who's controlling our health insurance now.
33 posted on 02/22/2013 10:26:29 AM PST by concerned about politics ("Get thee behind me, Liberal")
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To: EXCH54FE

These gun grabbing sons of witch’s are a determined lot.

They will use any excuse, any ruse to screw over gun owners.

They will eventually win. Almost any law can be passed if you keep bringing it up year after year after year.

The stupid ignorant fools aren’t smart enough to realise that they are playing into the hands of tyrants.


34 posted on 02/22/2013 10:26:29 AM PST by Venturer
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To: EXCH54FE

$200 to $300 is ridiculously high for gun insurance. There are about over 20% more guns than cars in the US and there are about 10 million auto accidents every year causing about 40,000 deaths and costing around $300 billion.

There are only about 14,000 to 19,000 non-fatal accidental shootings each year, resulting in about 600 deaths.

If we go by fatalities, car insurance (for liablity, this does not include collision to cover your own car) should be about 80 times more expensive than gun insurance.

If you go by total accidents, it auto insurance she be about 640 times more expensive. If we average those, a reasonble mutiple would be about 360.

So, if a fair premium for gun insurance is $200 per year, auto liability premiums shold be about $72,000 per year. Even using the most conservative estimate (based upon fatalities), it should cost $16,000 per year.

A fair price for gun insurance would be more on the order of $5 or $10 dollars per year.

This doesn’t even take into account the fact that auto accidents typically cause far more property damage than gun accidents.


35 posted on 02/22/2013 10:29:43 AM PST by Above My Pay Grade (The people have the right to tell government what guns it may possess, not the other way around.)
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To: EXCH54FE

This is becoming a bunch of idiots standing up and proclaiming that they have a new idea. “Listen to my idea!”...”No listen to my idea” ... “oh I have an idea”. They are just going back and forth seeing who can come up with a ‘fix’ and be crowned a genius for ‘saving the children’.

The only ‘fix’ is to make sure that whenever some lunatic starts shooting, there should be an armed citizen there to take him out. Otherwise the lunatic just keeps on shooting until he runs out of unarmed victims.

Or you could use democrat logic and just devise a new tax. That should fix it. (rolleyes)


36 posted on 02/22/2013 10:32:40 AM PST by envisio (Its on like Donkey Kong!!)
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To: Above My Pay Grade
"$200 to $300 is ridiculously high for gun insurance."

Agree -- homeowner's insurance usually covers firearms accidents, and my insurance company doesn't even think the risk is high enough to ask me about any guns. They do put a ceiling on theft claims of firearms. But they don't seem to think it's much of a liability risk.

37 posted on 02/22/2013 10:34:49 AM PST by Sooth2222 ("Suppose you were an idiot. And suppose you were a member of congress. But I repeat myself." M.Twain)
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To: envisio

No guns? No need for insurance. What guns?


38 posted on 02/22/2013 10:35:47 AM PST by DaveA37
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To: EXCH54FE
require gun owners to buy insurance

Can't. Hurts "the poor."

So they're saying we have to PAY CASH to keep our second amendment rights? Without giving someone a certain amount of money, we lose that right?

39 posted on 02/22/2013 10:38:50 AM PST by concerned about politics ("Get thee behind me, Liberal")
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To: TexasFreeper2009

Believe it or not, I’m seeing more so-called “Liberals” talk of Free-speech being limited.

We are in truly scary times…


40 posted on 02/22/2013 10:39:35 AM PST by StaffiT (Obama is the name - Downgrading the country is his Game)
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To: EXCH54FE; All

I realize this may be a dumb question, and I’m fully prepared to receive a rhetorical boot to the head (adjusts helmet).

But with regard to all this new gun legislation, won’t it all be stopped in the House of Representatives?

I mean given the rock ribbed adherence to Liberty by the likes of John McCain (pausing for laughter) we really shouldn’t have to worry about the Senate as well… but

Bottom line, how much danger are we in?


41 posted on 02/22/2013 10:40:42 AM PST by StaffiT (Obama is the name - Downgrading the country is his Game)
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To: StaffiT
“Bottom line, how much danger are we in?”

IMHO, we are in the fight of our lives. They are out to remove the 2nd Amendment and any and all Guns and ammo. They will fight, TAX, and pass (laws)that will enslave us.

We the people must fight to protect our GOD given rights.

MOLON LABE

42 posted on 02/22/2013 10:46:09 AM PST by EXCH54FE (Hurricane 416 "It’s one thing to make a law, It’s another to enforce it.")
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To: TexasFreeper2009
driving is a priveledge, owning a gun in a right.

Partially correct. Peaceably traveling from place to place using contemporary conveyances is also a right. Wars have been fought over this.

43 posted on 02/22/2013 10:47:22 AM PST by elkfersupper ( Member of the Original Defiant Class)
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To: goodnesswins

“Let’s tax homosexuals...they COST more than most in the medical system”

Nope, can’t do it, fudgepacking is a “pre-existing condition.”


44 posted on 02/22/2013 10:49:32 AM PST by vette6387
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To: Resolute Conservative
Most of my items are third party buys or trades. Good luck on proving I have any.

That's all fine and good, unless and until you attract the attention of Law Enforcement for ANY reason. As soon as that happens, all bets are off.

45 posted on 02/22/2013 11:00:14 AM PST by elkfersupper ( Member of the Original Defiant Class)
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To: EXCH54FE

Requiring Gun Insurance is nothing more than Gun Registration in sheeps clothing.


46 posted on 02/22/2013 11:04:08 AM PST by BuffaloJack (Guns should not be illegal; they should be undocumented.)
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To: StaffiT

“But with regard to all this new gun legislation, won’t it all be stopped in the House of Representatives?
I mean given the rock ribbed adherence to Liberty by the likes of John McCain (pausing for laughter) we really shouldn’t have to worry about the Senate as well… but
Bottom line, how much danger are we in?”

Hold onto your hat, my FRiend. We’re in for a rough ride….


47 posted on 02/22/2013 11:11:22 AM PST by Road Glide
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To: EXCH54FE

Let me guess. The (ill)liberal logic (or lack thereof) is that forceing law abiding gun owners to purchase liability insurance will reduce the number of incidents where a child or othe person is ACCIDENTLY killed or injured by a firearm. So, what are the actual statistics on children or other persons who are killed by accidental gunfire? Are these incidents predominantly occuring in homes where there is a legal firearm owner? Or, do these incidents occur primarily in homes where the firearm is not so legally owned?


48 posted on 02/22/2013 11:23:14 AM PST by SoldierDad (Proud dad of an Army Soldier who has survived 24 months of Combat deployment.)
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To: EXCH54FE; Road Glide

I have no doubt of that, but do we have the stopgap of the House of Representatives?

We could be looking at Armageddon if the acolytes of Santa Preezy have their way in 2014 – all bets would be off.

But do we at last have some breathing space until then?

BTW, thank you for using ‘our GOD given rights.’ You don’t know how that upsets the lefties - that in itself is something to behold.


49 posted on 02/22/2013 12:39:25 PM PST by StaffiT (Obama is the name - Downgrading the country is his Game)
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To: elkfersupper

I have made it a mission to only keep about a third or my items and ammo on site. The rest is scattered about, some at the bottom of the lake :)


50 posted on 02/22/2013 12:53:07 PM PST by Resolute Conservative
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