Massachusetts bill would require gun liability insurance

[SandEagle]

http://www.masslive.com/news/index....ts_bill_would_requi.html#incart_most-comments

The bill's sponsor, Rep. David Linksy, compared the change to the requirement that car owners have auto insurance before registering their vehicles.


Linksy said requiring insurance could create market-based gun safety incentives.

another way to gouge the American people.

 

[Genx87]

I think we should have liability insurance for voting rights as well. Far more people killed by stupid policy from voters than from guns.

 

[sactoking]

Where does he think this insurance would come from?

 

[Brovane]

You only need to register a vehicle to use the vehicle on public roadways. If you never intend to use a vehicle on public roadways and only use in private roads then you don't need to register a vehicle. Neither do you then need insurance. So as long as the weapon isn't used in public space and is only used on private property then it is none of government's business if I have insurance or not. You want to require firearm insurance for CCW holders then that is fine because it used and carried in public space.

 

[Engineer]

You only need to register a vehicle to use the vehicle on public roadways. If you never intend to use a vehicle on public roadways and only use in private roads then you don't need to register a vehicle. Neither do you then need insurance. So as long as the weapon isn't used in public space and is only used on private property then it is none of government's business if I have insurance or not. You want to require firearm insurance for CCW holders then that is fine because it used and carried in public space.

They will just change it to a "property tax" then. Problem solved.

Edit: /sarcasm - somewhat.

 

[xj0hnx]

http://www.masslive.com/news/index....ts_bill_would_requi.html#incart_most-comments



another way to gouge the American people.

More, and more bullshit.

Why can't retarded anti-gun nut jobs get it through their thick skulls that the majority of gun violence is caused by criminals, and criminals don't follow laws, much less get insurance for their guns?

I think people should have to get insurance before they go to church, or before they post an opinion on the internet.

 

[Brovane]

They will just change it to a "property tax" then. Problem solved.

Edit: /sarcasm - somewhat.

At least it will no longer be concealed and will be called what it is which is another tax.

 

[boochi]

If this bill could pass then how about requiring insurance for someone being black since they are a high risk group? Can you say unconstitutional?

 

[Zargon]

if you cant out right ban something, tax the hell out of it so only the rich have em!

 

[PokerGuy]

I guess by that logic it's also OK to require libel/slander insurance if someone wants to use their first amendment right to free speech. The stupidity of the gun grabber idiots reaches new heights every day.

 

[Ausm]

I think we should have liability insurance for voting rights as well. Far more people killed by stupid policy from voters than from guns.

When do or have the people created policy?

 

[SaurusX]

Where does he think this insurance would come from?

Liability insurance is written by property and casualty insurance companies. They'll line up around the block to start selling these policies. I'd be surprised if they don't already exist.

 

[sactoking]

Liability insurance is written by property and casualty insurance companies. They'll line up around the block to start selling these policies. I'd be surprised if they don't already exist.

AHA! You fell into my trap!

It was a rhetorical question insofar as that the product (standalone firearm liability insurance) does not, to my knowledge, exist... and I work in insurance. It doesn't exist because it's not financially viable, no insurer in their right mind would write a policy like that.

The point, then, is that this is just a clueless legislator thinking he can say "Make them buy insurance" and that a private-sector insurance marketplace for such a fatally-flawed product will magically appear overnight.

 

[Genx87]

When do or have the people created policy?

Every time you vote in this country for a candidate, you are voting for the policy they want to enact. Every time an amendment is passed at the state level via direct vote it is policy enacted by the people.

Really, even you should know this.

/facepalm

 

[HumblePie]

AHA! You fell into my trap!

It was a rhetorical question insofar as that the product (standalone firearm liability insurance) does not, to my knowledge, exist... and I work in insurance. It doesn't exist because it's not financially viable, no insurer in their right mind would write a policy like that.

The point, then, is that this is just a clueless legislator thinking he can say "Make them buy insurance" and that a private-sector insurance marketplace for such a fatally-flawed product will magically appear overnight.

Correct.

How exactly would such a policy work and what would it cover? In a shooting scenario you are either justified or not justified. If you are justified you should face no civil litigation or penalties as part of the shooting. If you are not justified then you are criminally liable and no insurance is going to pay out for anything a person is found criminally liable for.

Stupid proposal is stupid. A veiled attempt at a complete gun ban. Knowing no insurance company would step up to offer insurance is the same thing as making all guns illegal. Because only legally owned guns are those with insurance, but if you insurance is available then there is no insured guns. Thus no legal guns. Illinois tried to do a run around play type legislation such as this and got slapped down by SCOTUS. They forced all handguns to have permits to be legal, but didn't put in any way for gun owners to obtain those permits.

 

[nehalem256]

I guess by that logic it's also OK to require libel/slander insurance if someone wants to use their first amendment right to free speech. The stupidity of the gun grabber idiots reaches new heights every day.

Personally I think it would be more fun for red states to start taxing abortion :hmm:

 

[Lithium381]

AHA! You fell into my trap!

It was a rhetorical question insofar as that the product (standalone firearm liability insurance) does not, to my knowledge, exist... and I work in insurance. It doesn't exist because it's not financially viable, no insurer in their right mind would write a policy like that.

The point, then, is that this is just a clueless legislator thinking he can say "Make them buy insurance" and that a private-sector insurance marketplace for such a fatally-flawed product will magically appear overnight.

ala obamacare...?

 

[micrometers]

sweet@!!!

 

[SpatiallyAware]

I'm surprised this hasn't happened already... Generally any time the gov't can require something like this they start to see dollars falling from the air.. The thought of thousands of redundant gov't employees having to check that sort of thing tends to make the gov't salivate.

 

[micrometers]

I'm surprised this hasn't happened already... Generally any time the gov't can require something like this they start to see dollars falling from the air.. The thought of thousands of redundant gov't employees having to check that sort of thing tends to make the gov't salivate.

The economic damage at Aurora totaled over $100 million. Sandy Hook likely $150 million.

 

[sactoking]

ala obamacare...?

No, health insurance already existed in a substantially similar form.

 

[EagleKeeper]

Liability insurance is written by property and casualty insurance companies. They'll line up around the block to start selling these policies. I'd be surprised if they don't already exist.

Accidental death policies will more than likely start at $10M and up.
If the death is justified, no payout even in a civil suit.

Either the cost of the policy to a policy holder will be outrageous - in essentially depriving one of the 2nd Amendment rights or the policy holder will go under with a couple of claims against them.


In Mass, figure maybe 1% would register for insurance.

Assume that the population of Mass is 6M.
1% of that is 60K. 120M/100K

Statistics have Mass having 5 deaths per 100K population - 30 per year
$300M in claims then per year.

That requires insurance coverage by the registered owners w/ insurance of $5000 per year.

 

[Slew Foot]

I wonder what connections to the insurance industry this guy has

 

[gevorg]

How much further does the 2nd amendment needs to bend over?

 

[SpatiallyAware]

The economic damage at Aurora totaled over $100 million. Sandy Hook likely $150 million.

Where did you come up with these numbers?