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View Diary: Liability Insurance for Guns (361 comments)

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  •  Some do it already.... (3+ / 0-)
    Recommended by:
    political junquie, Miggles, nellgwen

    Check your homeowner's policy and I think you will be surprised.  

    It almost certainly has all risk coverage for personal liability, and it negligence reflated to firearms is not excluded, then it it is likely already covered..

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

    by Wayward Wind on Thu Dec 20, 2012 at 05:49:01 AM PST

    [ Parent ]

    •  Sorry. But homeowners insurance does (0+ / 0-)

      not cover the homeowner shooting up a mall or school.

      •  This is precisely why each gun must be insured (4+ / 0-)
        Recommended by:
        Dallasdoc, cybersaur, Miggles, madhaus

        separately from homeowners insurance.

      •  I am not as certain as you are of that... (1+ / 0-)
        Recommended by:
        cybersaur

        maybe there is an insurance agent/underwriter here on DK who can pipe up.

        In the latest case, the policy would cover the negligence of the mother in failing to adequately secure the weapons, even if they did not cover the son's intentional act.

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

        by Wayward Wind on Thu Dec 20, 2012 at 06:32:33 AM PST

        [ Parent ]

        •  Curious, what is adequately secure? (0+ / 0-)

          I know we've had this discussion before, but with regards to insurance, I'd like to see how you'd implement 'adequately secure.'

          Republicans cause more damage than guns ever will. Share Our Wealth

          by KVoimakas on Thu Dec 20, 2012 at 06:33:48 AM PST

          [ Parent ]

          •  My suggestion (1+ / 0-)
            Recommended by:
            KVoimakas

            is that it would be left to at minimum, the state, or better local areas.  What works fine in rural areas might likely be woefully inadequate in a high-density urban location.

            If it were me, I'd bring LE, insurance people, and gun owners together and have them suggest the standards to be adopted after public consultations.

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

            by Wayward Wind on Thu Dec 20, 2012 at 06:39:17 AM PST

            [ Parent ]

          •  You're not going to like this (1+ / 0-)
            Recommended by:
            nellgwen

            You're not going to like this but the insurance industry would decide that and gun owners would have zero input into that question.

            Basically if you don't like the rules then don't own a gun.  If you break them then like other insurance you will pay a heavy financial penalty.  Your right to own a gun or carry it would not be curtailed in any way.  You'd just have pony up the $$ to exercise that right.  NO rights are free.  

            •  Actually, gun owners WOULD have input. (0+ / 0-)

              Which is why I'm not expecting any type of liability insurance to pass. In order for this to even get in place, you need it to pass Congress.

              Not going to happen.

              Republicans cause more damage than guns ever will. Share Our Wealth

              by KVoimakas on Thu Dec 20, 2012 at 07:34:40 AM PST

              [ Parent ]

              •  Think you and others (3+ / 0-)
                Recommended by:
                oldmanriver, mamamedusa, megisi

                need to get a lot more humble and realize that you have pushed your slippery slope down to the thawing ice pond, and the general public doesn't want to be held in terror of falling through the ice, any more.  

                They don't want to send their kids off to school and worry about them being shot up over your 'rights' to have an arsenal.  Which can be accessed by the mentally unbalanced or a 'common' thief.

                Maybe you need a different, less lethal, 'hobby'.  

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