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View Diary: Middle ground idea on gun control: Gun Insurance (242 comments)

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  •  No, it's reasonable. (0+ / 0-)

    It's an attempt to control guns by making the owners of weapons they do not need responsible for the damage they cause.

    And thank you for illustrating my point.

    I don't blame Christians. I blame Stupid. Which sadly is a much more popular religion these days.

    by detroitmechworks on Fri Jan 11, 2013 at 02:25:36 PM PST

    [ Parent ]

    •  Gun owners are already responsible (2+ / 0-)
      Recommended by:
      johnny wurster, happy camper

      for any damage that they might cause. The fact is that accidental deaths with guns are very, very rare. Exponentially more rare than accidents related to automobiles.

      No insurance company will ever cover a criminal act, just as no car insurance company will pay for any costs associated with your DUI. Likewise, it is very unlikely that something like suicide could be covered by this (it isn't life insurance, after all.)

      So take the aggregate of this: The insurance company will almost never have to pay out any money. That means premiums will either be very, very low (hence no insurance company thus far entering this field) or they must be artificially inflated.

      The only reason for that artificial price inflation would be to keep guns out of the hands of the working class.

      •  So, you aren't required to carry auto insurance? (0+ / 0-)

        Because logically from your statement, only bad drivers would ever cause an accident and so therefore insurance companies would never have to pay out anything, defeating the entire purpose of insurance.

        You guys sure love to argue in circles.  It won't stop gun violence, because people will break the law!  So therefore, we must never make laws, because people will break them!

        No true Scotsman no longer seems appropriate.

        Now it's "NO True Legal Gun Owner" who would ever commit a crime so therefore you should never regulate gun owners because anyone who commits a crime is not a legal gun owner.

        I don't blame Christians. I blame Stupid. Which sadly is a much more popular religion these days.

        by detroitmechworks on Fri Jan 11, 2013 at 02:38:31 PM PST

        [ Parent ]

        •  Car insurance does not cover (1+ / 0-)
          Recommended by:
          happy camper

          deliberate misuse of my vehicle. It will not compensate me or anyone that I happen to injure if I am shown to have deliberately attempted to commit an assault with the vehicle.

          Gun insurance would be the same: It would pay out in the event that there was an accident, but not if the firearm was used to attempt a homocide. This is because to cover homocide would be bad business. A couple Sandy Hooks would literally put a large company out of business.

          Accidental firearm mishaps do occur, but they are so rare that the insurance would be next to nothing anyway. Again: Insurance never covers criminal activity. Most non-suicide firearm deaths are criminal acts.

          And how do you plan on getting criminals to pay for the insurance, anyway?

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