General Discussion

X_Digger

(18,585 posts)

41. No, your insurance would cover damage to your car, it would not cover claims by the victim's family.

Wed Feb 6, 2013, 09:36 AM

Feb 2013

You have no liability for what a thief does with your car (assuming you didn't leave it unlocked with the keys in the ignition).

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Bill Would Force Calif. Gun Owners To Buy Insurance [View all] Agnosticsherbet Feb 2013 OP

NOW we're talking Skittles Feb 2013 #1

+1 ellisonz Feb 2013 #67

LOL Skittles!! CatWoman Feb 2013 #119

HAAAAAAAAAAY BABY Skittles Feb 2013 #143

Yes!! Control-Z Feb 2013 #2

Thing is, liability insurance wouldn't have covered Sandy Hook.. X_Digger Feb 2013 #3

Like anything in life, we must begin somewhere... Agnosticsherbet Feb 2013 #6

You don't get it do you.... pkdu Feb 2013 #7

That is an excuse to do noting. Agnosticsherbet Feb 2013 #8

Note use of... /sarc off. (sarcasm mode off) pkdu Feb 2013 #10

So that is what passes for the missing sarcassm smilie. Agnosticsherbet Feb 2013 #37

For middle-aged computer nerds like me , yes. pkdu Feb 2013 #179

This will do nothing... 0%... Coyote_Tan Feb 2013 #63

It will make owners of devices designed to kill Agnosticsherbet Feb 2013 #64

Again... Coyote_Tan Feb 2013 #97

Now we are going after home brewers? Riftaxe Feb 2013 #178

Doing nothing is better than doing the wrong thing derby378 Feb 2013 #83

Three hundred million plus firearms out there Mojorabbit Feb 2013 #25

It's a sure bet that the people who are most likely to cause harm with a firearm would be the least slackmaster Feb 2013 #101

I agree. nt Mojorabbit Feb 2013 #165

Yes we must do something, anything. Then we will feel better. nm rhett o rick Feb 2013 #9

Great ideas that don't do what folks think they will isn't a beginning, it's theater. X_Digger Feb 2013 #11

and that is bad because? Do you think having auto insurance is a poll tax? robinlynne Feb 2013 #20

No insurance is required for simple automobile ownership. beevul Feb 2013 #35

I've heard this before...why own a car you can't drive in public? libdem4life Feb 2013 #127

Race cars and farm vehicles are the largest examples. n/t X_Digger Feb 2013 #128

So, no insurance? Probably a small minority are going to have a huge investment in libdem4life Feb 2013 #131

Nope, no insurance in most cases. X_Digger Feb 2013 #136

Just plain silly in a gun liability conversation. No one I knew farmed with a beat up pick up truck libdem4life Feb 2013 #138

*sigh* Liability for patrons, not drivers / cars. X_Digger Feb 2013 #141

This is about weapon liability. Motor vehicles are a false equivalent...responding as such. libdem4life Feb 2013 #184

I didn't bring up the analogy, I just pointed out it's not quite the way people think it is. n/t X_Digger Feb 2013 #185

I was a major gift fundraiser and as I recall, the very rich are really well insured. CTyankee Feb 2013 #153

This isn't about insuring your belongings or being rich or fundraising. libdem4life Feb 2013 #183

not per se, but I am interested in why people do/do not insure themselves. I was just CTyankee Feb 2013 #194

It's bad because the right tries to do the same thing with abortion and we cry foul davidn3600 Feb 2013 #38

Is it not correct to regulate abortion, i.e. have it performed by a doctor? robinlynne Feb 2013 #65

It's not 'bad', it's illegal- deprivation of rights under color of law. 18 USC § 242 n/t X_Digger Feb 2013 #45

requiring insurance and responsiblity is not deprivation of rights. robinlynne Feb 2013 #66

Intentionally suppressing a right is. X_Digger Feb 2013 #72

for starters, I dont think anyone has the right to own a semi-automatic, period. We disagree about w robinlynne Feb 2013 #76

*sigh* X_Digger Feb 2013 #80

You clearly show that when 'bear arms' means 'self defense', that the use is specifically jmg257 Feb 2013 #89

Because it was implicit X_Digger Feb 2013 #92

And some of those same guys wanted to add "for the common defence' after RKBA to jmg257 Feb 2013 #104

'General Welfare' is not a blank check for legislators to do whatever they wish. X_Digger Feb 2013 #106

whatever they wish? The American people overwhelmngly want semi automatics banned. Legislators robinlynne Feb 2013 #159

Majority rules? How about we apply that to other social justice causes, eh? X_Digger Feb 2013 #161

and the right to kill? robinlynne Feb 2013 #118

The right to use force up to and including lethal force in defense of self or others? X_Digger Feb 2013 #121

in defense of self and others. only. robinlynne Feb 2013 #158

Care to expand that into a complete sentence? X_Digger Feb 2013 #160

Then why the "right" to semi-automatic weapons? The right to purchase firearms without a background robinlynne Feb 2013 #168

Because they are "in common use for traditionally lawful purposes" X_Digger Feb 2013 #170

i.e: robinlynne Feb 2013 #169

That is the reason was protected, yes. It in no way limits the right to that purpose. X_Digger Feb 2013 #173

thousands of dead very compelling reasons. More than 90% of Americans are quite compelled. robinlynne Feb 2013 #199

Argumentum ad populum? *sigh* X_Digger Feb 2013 #200

That is only because the law allows them to BlueStreak Feb 2013 #13

Lol, no insurance company would write such a policy, and you can't force them to. X_Digger Feb 2013 #15

Nonsense. ANYTHING can be written into a liability policy. BlueStreak Feb 2013 #27

Please go talk to an insurance agent. You're embarrassing yourself. n/t X_Digger Feb 2013 #43

What does an agent have to do with it? BlueStreak Feb 2013 #47

An agent will explain about mens rea, and how insurance companies.. X_Digger Feb 2013 #50

You're wasting your breath; that lot regard ignorance as strength... friendly_iconoclast Feb 2013 #115

Gah, I need mind palette cleanser. n/t X_Digger Feb 2013 #122

Insurance companies can't be forced to do anything. They alwways have the option BlueStreak Feb 2013 #125

Thank you for making my point for me- namely that.. X_Digger Feb 2013 #126

You are the one that brought up criminal acts. I talked about all consequences of BlueStreak Feb 2013 #130

The OP article 'brought it up' X_Digger Feb 2013 #135

Once again, you are going back to the way existing laws are written. BlueStreak Feb 2013 #139

It's the laws of insurance, not guns. X_Digger Feb 2013 #146

Thank you. I'm glad to see you have come to the point BlueStreak Feb 2013 #148

My hypothetical ends with a constitutional challenge, but okay. X_Digger Feb 2013 #150

That's not entirely true... TreasonousBastard Feb 2013 #193

Right, but they have the option to not offer insurance in the state. BlueStreak Feb 2013 #197

I don't think it's legal for an insurance company to insure against a policyholder's crime Recursion Feb 2013 #94

It is only "illegal" to offer that because that is how today's laws are written. BlueStreak Feb 2013 #142

The fact that one has to ahve liability isnsurance, and that therer are consequences, makes one thin robinlynne Feb 2013 #21

yes they are dsc Feb 2013 #23

No, your insurance would cover damage to your car, it would not cover claims by the victim's family. X_Digger Feb 2013 #41

not. Liability insurance for victims is the only insurance required by law. It is not required to robinlynne Feb 2013 #68

Right, I meant CC. The poster said 'insurance'.. comprehensive collision would cover your car, but.. X_Digger Feb 2013 #70

if you hand your car over to an unlicensed driver, you are responsible for the consequences. robinlynne Feb 2013 #73

What part of 'car thief' did you miss? What you describe would be an authorized user. X_Digger Feb 2013 #75

Your auto liability policy would not pay kudzu22 Feb 2013 #81

I think the point would be to make the insurance cost give one pause before the purchase. WinkyDink Feb 2013 #105

Ahh, generally discourage gun ownership, k n/t X_Digger Feb 2013 #109

You realize this HELPS groups like the NRA, right? Demo_Chris Feb 2013 #4

I said it was a beginning... Agnosticsherbet Feb 2013 #5

Yes, but do you understand my point? I assume you do, but if not... Demo_Chris Feb 2013 #12

Not for 30 bucks a year, they don't BlueStreak Feb 2013 #14

An 'infinite' insurance policy? Why not just require all bullets be made out of jell-o? X_Digger Feb 2013 #17

Don't confuse liability with life insurance BlueStreak Feb 2013 #24

And coverage limits are well-defined. X dollars of coverage. No intentional acts. n/t X_Digger Feb 2013 #42

There is no law of the universe that says intentional acts must be excluded BlueStreak Feb 2013 #48

Common law dating back to England. X_Digger Feb 2013 #51

Actually yes there is Recursion Feb 2013 #96

exactly. someone is going to havae to check out the people are to write isnurance.Let the NRA pay fo robinlynne Feb 2013 #22

They don't get free liability insurance drmeow Feb 2013 #16

think auto insurance. robinlynne Feb 2013 #19

And specifically, third party liability coverage. BlueStreak Feb 2013 #26

Different situation davidn3600 Feb 2013 #28

I think you are mistaken Tumbulu Feb 2013 #31

And maybe it means you cannot purchase any weapons or ammunition BlueStreak Feb 2013 #34

"well-regulated" does not equal bans davidn3600 Feb 2013 #36

Good, no one should have guns anyway, I want it priced so high Tumbulu Feb 2013 #144

Only if they take the firearm. jeff47 Feb 2013 #32

If you don't have auto insurance you can not own a car. Because it can hurt others. Of course this r robinlynne Feb 2013 #71

No, you can own a car, you just can't drive it on the public streets. X_Digger Feb 2013 #74

Actually race cars are often insured BlueStreak Feb 2013 #145

I was thinking dirt track.. X_Digger Feb 2013 #154

A friend of mind was a partner on an Indy 500 car BlueStreak Feb 2013 #157

My farm liability policy covers my tractor Tumbulu Feb 2013 #147

Is it a requirement to own the tractor, though? That's the equivalent to the proposed bill.. n/t X_Digger Feb 2013 #156

No but who buys tractors anyway? Tumbulu Feb 2013 #180

So it's comparing an apple to a tractor, hehe. X_Digger Feb 2013 #181

It sure is a great way to learn to drive Tumbulu Feb 2013 #187

Absolutely.. you learn quick on a rough road :) n/t X_Digger Feb 2013 #189

And great to learn as a kid, too Tumbulu Feb 2013 #190

Well, it was mostly, "Slower! Push the brake harder, son!" (as the rest pitched square bales) X_Digger Feb 2013 #191

Thanks, I've enjoyed imagining the scenes Tumbulu Feb 2013 #205

Any gun owner with a lick of sense already has liability insurance. Lizzie Poppet Feb 2013 #58

The convicted felons with guns get wrist slaps Tumbulu Feb 2013 #149

A beginning of what? nt Deep13 Feb 2013 #163

Is that why they've been trying to block it for years? /nt Marr Feb 2013 #39

YES! just like cars. get caught without proof pof insurance? ticket or jail. robinlynne Feb 2013 #18

Only on public roads hack89 Feb 2013 #88

still much better than what we have now. I'm sure there is a way to resolve robinlynne Feb 2013 #116

Okay. For all of you who weep and moan and wring your hands and SheilaT Feb 2013 #29

I'm with you on this. nt Tumbulu Feb 2013 #33

Well-Stated. (nt) Paladin Feb 2013 #46

Yup. Shadowflash Feb 2013 #55

you go SheilaT! robinlynne Feb 2013 #77

Another voted to destroy the Second Amendment. Got it. (n/t) derby378 Feb 2013 #82

Right. Just like being required to register our cars SheilaT Feb 2013 #133

Maybe, but... TreasonousBastard Feb 2013 #30

No, that's not correct. My homeowner's policy doesn't mention firearms at all. slackmaster Feb 2013 #52

I make everything up-- it's the thing to do here. But... TreasonousBastard Feb 2013 #192

If I shoot someone who I incorrectly perceive as a threat, I will have committed a crime slackmaster Feb 2013 #195

Excellent... (We have personal liability insurance $1M) just in case SoCalDem Feb 2013 #40

Another profit center for the NRA hack89 Feb 2013 #44

If NRA gets into insurance, you can bet they'll start supporting things that reduce their risk. Hoyt Feb 2013 #53

You certainly have an active fantasy life. nt hack89 Feb 2013 #54

I just paid the annual premium on my homeowner's policy, which includes personal liability coverage slackmaster Feb 2013 #49

I also have $10,000 of property coverage on my firearms, it's about $100 a year. madville Feb 2013 #59

So insurance will stop criminals, suicides and mass killers? hack89 Feb 2013 #56

It would require that you take responsibility for your weapon. Agnosticsherbet Feb 2013 #57

Actually the opposite could be true madville Feb 2013 #61

But it would only apply to accidents hack89 Feb 2013 #62

I love this idea! MrScorpio Feb 2013 #60

I like it! ananda Feb 2013 #69

Bingo!!!! goclark Feb 2013 #78

In order to have liability insurance, there first has to be a liability kudzu22 Feb 2013 #79

But negligence and accidents make one liable. Agnosticsherbet Feb 2013 #84

Has anyone ever been held financially liable due to negligence kudzu22 Feb 2013 #85

That's the problem, it needs to change. People are held financially responsible when they have pool Hoyt Feb 2013 #90

Well then why limit it to guns? kudzu22 Feb 2013 #93

Right now we are talking guns. Does being held responsible for your irresponsible behavior, Hoyt Feb 2013 #99

Actually we're talking about insurance kudzu22 Feb 2013 #103

Let's see, you sell gun to a guy for a fistful of cash without background check, they shoot someone? Hoyt Feb 2013 #108

I'm sensing some thread creep kudzu22 Feb 2013 #114

But you are allowed -- and should -- complete the transfer through an FFL. Hoyt Feb 2013 #120

Well I've had the opposite experience kudzu22 Feb 2013 #123

"Most" -- that's not reassuring. You ever met any like this? Hoyt Feb 2013 #124

You can tell from a picture that they don't lock up their guns at night? kudzu22 Feb 2013 #129

And if guns were habitually kept in people's yards, they would be like that too Recursion Feb 2013 #100

There are attractive nuisance cases Recursion Feb 2013 #98

Or you could walk around with a gun, have S&W sticker on car, fly a confederate or tbagger flag, etc Hoyt Feb 2013 #111

No, a visible indoor pool or trampoline is not an A.N. Recursion Feb 2013 #113

NRA vs insurance companies! On HBO? aquart Feb 2013 #86

Make the premium $1000 per month per weapon. Bankrupt the gun nuts. mwrguy Feb 2013 #87

That my feeling too. Make the "carrying" cost to great, especially for certain weapons and over a Hoyt Feb 2013 #91

Your motivation is ignoble; your idea would create obvious unintended consequences. slackmaster Feb 2013 #95

Ah, advocating deprivation of rights under color of law. How unprogressive! friendly_iconoclast Feb 2013 #110

which MIGHT begin to pay for the damages that these weapons cause (nt) Tumbulu Feb 2013 #151

I want to see them responsible for harm their guns do EVEN IF STOLEN, unless kestrel91316 Feb 2013 #102

Guilty until proven innocent kudzu22 Feb 2013 #117

me too! nt Tumbulu Feb 2013 #152

Maintaining Insurance Is A Grown-Up Activity. Paladin Feb 2013 #107

Well, well, well- You lot have certainly changed your tune! friendly_iconoclast Feb 2013 #112

Actually, this isn't the same idea as insurance for shootings in self defense. Agnosticsherbet Feb 2013 #140

An impressive list of state names. And the taxpayer cost is $175 billion. libdem4life Feb 2013 #132

Insurance should be required Progressive dog Feb 2013 #134

Pa. Lawmakers Introduce Gun Safety Bills, Including Assault Weapons Ban farminator3000 Feb 2013 #137

How is that supposed to help? HooptieWagon Feb 2013 #155

First step to what? Deep13 Feb 2013 #162

Why do you think poor people shouldn't be allowed to own firearms? Taitertots Feb 2013 #164

You have zero ability to read my mind.... Agnosticsherbet Feb 2013 #166

You have zero ability to understand the unavoidable consequences of your policy recommendations Taitertots Feb 2013 #167

If they can't afford the insurance or responsibility... Agnosticsherbet Feb 2013 #171

The only people who can't afford arbitrary and capricious fines are poor people Taitertots Feb 2013 #203

It isn't a fine...Calling it a fine is a Conservative NRA buzz word. Agnosticsherbet Feb 2013 #204

Claiming it isn't a fine is just being intentionally misleading Taitertots Feb 2013 #206

You insure your car in case you loan it to someone and they drive through a house. Agnosticsherbet Feb 2013 #207

You can try to re-frame your scheme however you want, but at the end of the day... Taitertots Feb 2013 #208

it insists that people be responsible and deters no one from gun ownership Agnosticsherbet Feb 2013 #209

Every gun owner is already criminally and civilly responsible for their actions Taitertots Feb 2013 #210

Wrong. Car owners and house owners are regularly taken to court if they have no insurance. Agnosticsherbet Feb 2013 #211

People can own cars WITHOUT insuring them. beevul Feb 2013 #174

Intersting information on cars in california. Agnosticsherbet Feb 2013 #175

If a californian owns a car, are they required to have it in CA? beevul Feb 2013 #177

I live in California. It is not necessary to register a car here in order to legally own it. slackmaster Feb 2013 #196

It must be registered as a Non-Op...when last this occured to me. libdem4life Feb 2013 #198

You only have to do that with a vehicle that was previously registered to be driven on the street slackmaster Feb 2013 #201

OK. Well, never having had a tractor or a race car...what can I say? Good to know. libdem4life Feb 2013 #202

EXCELLENT!! Insurance is required to drive a car, which is required in most parts of the country madinmaryland Feb 2013 #172

Lawmakers propose liability insurance for U.S. gun owners - CA, MA, MD, CT - hmm. blue states... farminator3000 Feb 2013 #176

Owning a car is "economically discriminatory" as well. libdem4life Feb 2013 #186

Kick & Rec. n/t. apocalypsehow Feb 2013 #182

Great idea robertkdem1965_h89 Feb 2013 #188