Gun insurance should be mandatory

[kenny]

I have to buy liability insurance to legally drive a car.
What if I hurt someone?

Same with guns.
Cars and guns can cause harm.
If you want either you should be required by law to buy insurance that will pay for any damage you do with your car or your gun.

http://www.npr.org/sections/money/2...ld-gun-owners-have-to-buy-liability-insurance
SNIP: "Most states require car owners to have liability insurance to cover damages their vehicles cause to others; some economists think we should require the same of gun owners."

 

[redwood66]

You can talk to your elected officials in your state about having this requirement.

 

[kenny]

You can talk to your elected officials in your state about having this requirement.

... and I can post about it on the Internet to spread the word.

 

[redwood66]

... and I can post about it on the Internet to spread the word.

Of course you can. Did I say you couldn't?

 

[kenny]

Of course you can. Did I say you couldn't?

Did I say you said I couldn't?

 

[TooPatient]

Not sure what the point would be?

Gun owners are already liable criminally for damages done and can be sued in civil court for damages too.

ETA: Would like to hear more as I don't understand and it may be a great idea if I hear more.

 

[redwood66]

Did I say you said I couldn't?

Are you being cantankerous on purpose?

 

[kenny]

Not sure what the point would be?

Gun owners are already liable criminally for damages done and can be sued in civil court for damages too.

So, let's get rid of car insurance.

 

[kenny]

Are you being cantankerous on purpose?

Just responding in kind.

 

[redwood66]

Just responding in kind.

There was a point to my response. The federal government can't force you to buy something (except health insurance I guess) which is why you have to take it up with your state government. Just like car insurance.

No offense intended.

 

[TooPatient]

So, let's get rid of car insurance.

I think the possibility of criminal/civil is a lot more concerning than having insurance that will pay out if anything happens. In the one case, I am ruined. In the other, I pay a deductible and get on with life. I feel like having insurance would actually reduce the precautions some people take as the consequences would be less.

 

[redwood66]

I think the possibility of criminal/civil is a lot more concerning than having insurance that will pay out if anything happens. In the one case, I am ruined. In the other, I pay a deductible and get on with life. I feel like having insurance would actually reduce the precautions some people take as the consequences would be less.

This makes sense.

 

[sonnyjane]

Not sure what the point would be?

Gun owners are already liable criminally for damages done and can be sued in civil court for damages too.

ETA: Would like to hear more as I don't understand and it may be a great idea if I hear more.

I have a friend closer to this dilemma than would ever want to be. Her niece was nearly killed when a child in her class brought a gun to school (taken from the parents's home) and shot her. She survived, but will never be able to have children and still has complications and necessary surgeries many years later. In civil court, there were no repercussions for the family and my friend's family had to move out of state because the neighborhood harassed them for "suing a little kid". No criminal charges stuck either, despite a lengthy court battle. I would NOT count on the court system to sort things out later...

 

[TooPatient]

I have a friend closer to this dilemma than would ever want to be. Her niece was nearly killed when a child in her class brought a gun to school (taken from the parents's home) and shot her. She survived, but will never be able to have children and still has complications and necessary surgeries many years later. In civil court, there were no repercussions for the family and my friend's family had to move out of state because the neighborhood harassed them for "suing a little kid". No criminal charges stuck either, despite a lengthy court battle. I would NOT count on the court system to sort things out later...

That is awful! I see criminal and civil liability in there by the parents. Crazy. The courts should not have let it go.
I'm sorry your friend is going through that. To have that happen and then people give them a hard time!?? Just not right.

 

[katharath]

So, let's get rid of car insurance.

I don't even know why we have car insurance since the criminals are going to drive cars even if they don't have it. We should just get rid of it.

 

[Arkteia]

Second. I think that like we buy insurance that covers all cars in our household, people should not buy gun insurance, but their gun insurances should cover all the guns that they have.

I am thinking of the people who are now lying with gunshot wounds in LV hospitals. I wish they all recover, and I hope they do, but in either case, they will be presented with huge bills. ICU bills, ER bills, surgeries, neurosurgeries. Blood transfusions. LV can not just swallow all these bills. No state can.

Now if this demented psycho had insurance for all his guns, this, too, could now be used to cover their treatments.

 

[OreoRosies86]

https://m.facebook.com/story.php?story_fbid=10155132218026872&id=312383761871

Posting this knowing it may offend some.

 

[t-c]

I think the possibility of criminal/civil is a lot more concerning than having insurance that will pay out if anything happens. In the one case, I am ruined. In the other, I pay a deductible and get on with life. I feel like having insurance would actually reduce the precautions some people take as the consequences would be less.

Do you drive more recklessly because you have car insurance?

 

[monarch64]

https://m.facebook.com/story.php?story_fbid=10155132218026872&id=312383761871

Posting this knowing it may offend some.

Almost posted the one re Patriotism yesterday. But was worried I would've gotten carried away once the dam broke and would start posting it everywhere, every time someone on this board talked about how much they respect their country and flag and anthem and how no one else's idea of patriotism is as goll-darned great as theirs is!

An aside: the Patriotism one actually taught me all about the second ugly verse of our National Hate Song, er, Anthem, 'scuse me. Verrrrry eye-opening, and I won't be standing for it anymore, either.

 

[Calliecake]

Guns should be insured and they should slso tax the s&$t out of them when you buy one. Why is there not a heavy tax on guns?

There are stories all the time in the US of a children getting killed by a gun taken from their parents hime. I believe these gun owners should also serve multiple years in jail. If nothing else it may wake people up to keeping their guns locked up in a safe. With the teen suicide rate being so high in this country, I will never understand how a parent thinking having a gun in the house is a good thing. Gun owners here repeated have said that guns are frequently used in suicides. It makes perfect sense to have a gun in your home when you may have no idea what your child is going thru emotionally. SMDH. In a matter of seconds a whole families life is forever changed because some parent feels they have to protect themselves from an irrational fear.

Thank you for posting the clip @Elliot86

 

[TooPatient]

Do you drive more recklessly because you have car insurance?

I was on a discussion list for a few years where people asked questions about whatever was related to our local area. It shocked me the number of times conversation turned to getting an attorney to get rid of a ticket. Sometimes including people saying they should be more careful because what if a kid jumped out or something. Their replies, without fail, were to let us all know we should drive faster if we don't want to be hit and keep our kids inside if we don't want them hit. That is why they have insurance!

I wish I was joking or exaggerating. I wish it was one awful person and a lot of good. This description barely touches the disgusting things I saw there.

 

[kenny]

I don't even know why we have car insurance since the criminals are going to drive cars even if they don't have it. We should just get rid of it.

My state has an insurance called, "Uninsured Motorist".
It insures you when involved in an accident caused by an uninsured motorist, or something.

Gun owners should be required to buy not only liability insurance, but also uninsured gun owner insurance.

That or ban all guns, confiscate them like Australia did.

 

[monarch64]

I am FOR this gun insurance idea, Kenny. I cannot imagine that the insurance industry wouldn't be FOR it, also!

When I was growing up, my father had a couple rifles. Definitely nothing semi-automatic. He taught my brother how to shoot, because I think he just wanted to share that with his son. They took me hunting rabbits or something (not deer) on our property exactly one time--I was maybe 6 and did my best to be loud enough to scare away any game.

The only other reason my dad had any guns was because we lived in a remote location without a home security system. This was before 911 was available there, and a call to the sheriff would've been futile as it would've taken him 12-15 minutes to get to us. However, there was no gun safe. I still to this day don't know where he kept those guns nor the ammunition. It was a very large house with a ton of places to hide such things. I know for sure they didn't tell my brother because he was the type whom curiosity would've gotten the best of and definitely could not have resisted temptation.

BUT. That was yeeeeeaaars ago. Things have changed incredibly since then. A former neighbor of mine was dating/living with a prison guard. She had two children under the age of 9. The dude used to come home from work and leave his weapon on top of the microwave (I personally witnessed this at least a handful of times and remarked on it as many times and not in a positive way.) He kept two other guns on the top shelf of the master bedroom closet...like kids would NEVER climb up there to look for anything "forbidden." I was so pissed at her and sooooo glad when she dumped him finally. Idiots, both of them. If he'd had to carry insurance on those weapons I highly doubt he'd have taken the chances he did with having them unlocked around children.

Same with my dad. Yes, he would've bitched about having to insure his guns and how much it cost him, but he would've done it and been smart enough to see the need for it, I believe. I'll have to ask him next time we talk what his stance would be on mandatory gun insurance.