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Tue Dec 18, 2012, 01:48 AM

Gun Liability Insurance [View all]

Here's an idea for gun control - Require gun owners to carry gun liability insurance.

In order to purchase a gun or ammunition, or get a hunting license, proof of insurance required.
Assault weapons would cost more to insure.

Pros:
* Adds to the cost of gun ownership, pricing some people out of the market.
* Makes insurance companies responsible for victim's medical bills, therapy, and other damages.
* Insurance companies would add a new layer of scrutiny to the owner screening process, looking at the bigger liability picture.
* Insurance lobby is as powerful or more powerful than NRA so could counterbalance NRA's political contributions.
* Keeps the government/politicians out of the "taxing guns" business (a political hot potato.)

Cons:
* People might avoid registering their guns to avoid paying insurance?
* Insurance companies would benefit if more people owned guns?

Gun liability insurance obviously doesn't address all the problems/issues but it could add a solid obstacle to gun ownership.

I've been thinking about this for a few days, but haven't heard it proposed. Then I found a recent article on Forbes, so maybe it's not such a wild idea.
http://www.forbes.com/sites/johnwasik/2012/12/17/newtowns-new-reality-using-liability-insurance-to-reduce-gun-deaths/2/

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