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In reply to the discussion: Do you think "Firearm Insurance" would be cheap, decently affordable, or prohibitively expensive? [View all]farminator3000
(2,117 posts)4. insurance companies don't HAVE to charge anybody unless the gov mandates it, NRA owns congress
A gun in the home is 22 times more likely to be used in a completed or attempted suicide (11x), criminal assault or homicide (7x), or unintentional shooting death or injury (4x) than to be used in a self-defense shooting. (Kellermann, 1998, p. 263).
maybe they don't want to go anywhere near insuring guns because they are the most dangerous consumer product of all?
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Do you think "Firearm Insurance" would be cheap, decently affordable, or prohibitively expensive? [View all]
OneTenthofOnePercent
Dec 2012
OP
If owning a firearm posed a measurable, significant risk, insurers would already be charging higher
slackmaster
Dec 2012
#1
That means if your gun is used to murder someone then the taxpayers pay for the damages
Fumesucker
Dec 2012
#24
If my vehicle gets stolen and crashed into a school bus the taxpayers will pay for the damages too
slackmaster
Dec 2012
#26
No. Liability policies all explictly exclude paying claims for damages caused by crimes...
slackmaster
Dec 2012
#28
That's the insurance that's needed, if you murder someone with your gun your insurance should pay
Fumesucker
Dec 2012
#30
No insurer on Earth is going to cover liability for criminal acts of any kind
slackmaster
Dec 2012
#31
I'm sure an actuary could come up with a figure, and I believe that it would be very, very low.
slackmaster
Dec 2012
#37
I have gun insurance, and don't have an issue with requiring it for traditional liability
slackmaster
Dec 2012
#48
That is generally true. We all as taxpayers pay for the misdeeds of criminals.
slackmaster
Dec 2012
#59
insurance companies don't HAVE to charge anybody unless the gov mandates it, NRA owns congress
farminator3000
Dec 2012
#4
You have made a major mistake by assuming that I meant to say that guns aren't dangerous
slackmaster
Dec 2012
#22
you are mistaken because your facts are wrong. not quite sure what your point is , either
farminator3000
Dec 2012
#73
it should be cheap for an elderly hunter that uses it once a year and prohibitive for maniacs who
farminator3000
Dec 2012
#2
I just got distracted thinking about the bullshit medical insurance practices.
OneTenthofOnePercent
Dec 2012
#19
I think it would be slightly less than expensive, but certainly not prohibitively expensive
RomneyLies
Dec 2012
#8
some good ny times comments the other day: should be very expensive, and a bond should also be requi
amborin
Dec 2012
#11
rights? what about the right to walk peacefully in public and not feel threatened by some gun toting
amborin
Dec 2012
#47
I think that if the goal is to actually to reduce gun violence by reducing the numbers of guns
jmg257
Dec 2012
#29
I'm not sure the law of my state would allow an insurer to cover liability arising from crimes...
slackmaster
Dec 2012
#35
You have just cited a bogus factoid, mainer. According to the FBI's crime statistics for 2010,
slackmaster
Dec 2012
#40
I suppose if you regard a suicide victim as a member of his or her own family, your factoid is true
slackmaster
Dec 2012
#67
If that's the only way to get insurance to pay up you can bet there will be lawsuits within families
Fumesucker
Dec 2012
#41
You don't have to buy insurance for a car that you keep parked in your garage, or drive only on...
slackmaster
Dec 2012
#45
Well okay then. But you know what? This conversation has gone totally off-track.
Chorophyll
Dec 2012
#74
I guess. There does seem to be a fundamental lack of understanding between those of us
Chorophyll
Dec 2012
#83