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View Diary: Liability Insurance for Guns (361 comments)

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  •  not what Vent said at all (2+ / 0-)
    Recommended by:
    KVoimakas, happymisanthropy
    Would this have prevented ANY of the shootings?

    No?  It just assures the surviving family is driving a better car and wearing $1000 shoes on the way to the cemetery.  This is just a punishment to gun owners but would prevent nothing.  This is not a real solution.

    and vent is absolutely right; this insurance won't necessarily prevent anything. do you think the family gives a crap about money when their children are dead?

    Please don't dominate the rap, Jack, if you got nothin' new to say - Grateful Dead

    by Cedwyn on Thu Dec 20, 2012 at 05:36:14 AM PST

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    •  It happens all the time (9+ / 0-)

      with kids killed in all kinds of accidents - vehicles, drowning in an unprotected neighbor's pool,etc - and I am certain that someone who is condemned to a lifetime of medical care would be very interested in receiving financial assistance...

      I am a warrior for peace. And not a gentle man... Steve Mason, 1940-2005

      by Wayward Wind on Thu Dec 20, 2012 at 05:39:23 AM PST

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      •  all well and good (2+ / 0-)
        Recommended by:
        KVoimakas, happymisanthropy

        but vent's point -- and it's absolutely correct -- is that this insurance wouldn't really prevent anything.  people who are going to snap aren't exactly thinking rationally.  like a killer is going to take a second to ponder his insurance liability?

        sure, the money is helpful, but it's cold, cold comfort.

        anyhoo, my point is just how about addressing what Vent actually said and not putting words in people's mouths.

        Please don't dominate the rap, Jack, if you got nothin' new to say - Grateful Dead

        by Cedwyn on Thu Dec 20, 2012 at 05:46:41 AM PST

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        •  Prevent, probably not (6+ / 0-)

          Similar to having auto insurance won't prevent accidents, nor will having homeowner's insurance prevent someone getting hurt.

          That is the whole point of insurance - to ensure that resources exist to deal with the financial costs of such negligence.

          I am a warrior for peace. And not a gentle man... Steve Mason, 1940-2005

          by Wayward Wind on Thu Dec 20, 2012 at 05:51:55 AM PST

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        •  Insurance could be a deterrent (11+ / 0-)

          If a new young person wants to purchase a semi automatic his insurance premium will be extraordinarily high, just as would be a 17 yr old wanting to buy an expensive sports car. The insurance premium could contribute to decreasing likelihood of risky behavior. It would contribute to alleviating the problem, not solve the problem overall. The solution to the problem of gun violence will have to have many moving parts. Insurance could be one of them, likely an effective one.

          “Democracy is not just the right to vote, it is the right to live in dignity.”  ― Naomi Klein

          by cosmic debris on Thu Dec 20, 2012 at 06:04:23 AM PST

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          •  walmart stores across PA just sold out of (1+ / 0-)
            Recommended by:
            KVoimakas

            firearms.  plural, all kinds.  sold out.

            http://www.dailykos.com/...

            might an insurance policy mitigate gun violence some years down the line?  it might.

            would it function like car insurance, where the coverage still applies even though you let your sister drive your car?  if mom and dad or uncle joe or whoever owns guns and pays the insurance on them, it impacts no teenager's budget.  what if the gun is stolen and used to kill?  

            would a family get a discount for insuring many guns at once, like with cars?

            okay, that was snark, but this really does need to be thought through.  for example, car insurance sells itself; nobody wants to be out a $30,000 car because someone else lost control.  i.e., there is a natural market for it.  

            can congress even mandate that insurers offer gun liability insurance?  most extant liability coverage only applies to self-defense situations.

            Please don't dominate the rap, Jack, if you got nothin' new to say - Grateful Dead

            by Cedwyn on Thu Dec 20, 2012 at 06:50:11 AM PST

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            •  Yes it does need to be thought through. (6+ / 0-)

              Read the articles I linked. I'm sure there will be more discussion of the topic in coming weeks, in many venues.

              One thing I'm pretty sure of, Cedwyn, is that the status quo you seem to be so desperately defending, is not going to stand. Change is coming on gun ownership. It is up to individuals whether they want to be a constructive part of that change, or not.

              “Democracy is not just the right to vote, it is the right to live in dignity.”  ― Naomi Klein

              by cosmic debris on Thu Dec 20, 2012 at 07:05:49 AM PST

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              •  i am not defending anything (2+ / 0-)
                Recommended by:
                happy camper, rockhound
                One thing I'm pretty sure of, Cedwyn, is that the status quo you seem to be so desperately defending, is not going to stand.
                this is such bullshit and exactly the kind of crap that tears this community apart.

                why must everything be personal?  stick to the points, hey?  

                Please don't dominate the rap, Jack, if you got nothin' new to say - Grateful Dead

                by Cedwyn on Thu Dec 20, 2012 at 07:33:24 AM PST

                [ Parent ]

              •  what article? (1+ / 0-)
                Recommended by:
                KVoimakas

                and why don't you address this point:

                car insurance sells itself; nobody wants to be out a $30,000 car because someone else lost control.  i.e., there is a natural market for it.  

                can congress even mandate that insurers offer gun liability insurance?  most extant liability coverage only applies to self-defense situations.

                or at least explain what it's supposedly defending.

                Please don't dominate the rap, Jack, if you got nothin' new to say - Grateful Dead

                by Cedwyn on Thu Dec 20, 2012 at 09:04:08 AM PST

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        •  The insurance company weighs the risk. (3+ / 0-)
          Recommended by:
          Debby, Joe Bob, mamamedusa

          Do you think Loughner would have been able to get firearm insurance? How about the woman who bought the guns for the Columbine killers? Do you think she would have casually bought the guns for her uneraged friends had there been a big liability premium involved?

          A lot of people-about 75,000 people per year- are maimed by firearms every year. It would be nice if there were an insurance company out there to pay the premiums.

    •  Yes (5+ / 0-)

      Funerals are very expensive. The psychiatrists, support groups and help in general you will need is very expensive. Hell in many cases of live lasting damage for survivors like the AZ congresswoman is fucking expensive.

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