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View Diary: Liability Insurance for Guns (361 comments)

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  •  Most gun deaths are Suicide (3+ / 0-)
    Recommended by:
    KVoimakas, nellgwen, BlackSheep1

    Do you cover suicide? Use of ones own or some one else's weapon to kill ones self.  Is that covered? I don't think insurers would go for it, after all most life insurance policies have clauses that exclude suicide.

    Typically an insurer will tell you they want to cover accidental and unintended consequences, they will even cover rank stupidity as long as it was not a deliberate act.  Example:  a man welding a gas tank in the basement of his home unsurprisingly cases an explosion and fire that burns down the house, stupid yes but believe it or not probably covered by the insurance policy.  Pouring gasoline on the floor in the basement and putting a match too it is arson and a criminal act that is not covered by the insurance policy.

    Now translate that in to liability insurance for gun owners, if some one steals your gun and uses it to commit a crime liability insurance may cover the criminal act provided you took reasonable precautions to protect the weapon (and it can be traced back to you).  But if you as gun owner use the gun to commit a crime then i think it highly unlikely that the insurance would pay out, a long time ago the auto insurance guys decided it was not a good idea to write policies that covered speeding tickets...

     

    there is only one reality, republicans just forget at times

    by Bloke on Thu Dec 20, 2012 at 07:06:40 AM PST

    [ Parent ]

    •  make them responsible for medical (2+ / 0-)
      Recommended by:
      Dallasdoc, mamamedusa

      costs of incomplete suicides.

    •  Make them cover all expenses... (1+ / 0-)
      Recommended by:
      quixotic

      related to the suicide such as police, coroner, public costs of any kind including therapy for the victims family, school, etc... these are all costs the public now covers when a suicide takes place.

      In the last year and a half, two kids from my son's school have committed suicide with a hand gun (13 & 14 years old) and the had grief counselors at the school.  All of that costs money.

      Make gun owners of any non-antique gun that holds more than 6 rounds have a license and liability insurance for each peapon.  Require the license to be shown when hunting license are purchased and upon entry into any firing range.  If a game warden approaches you, you have to show him or her you proof of insurance just like a traffic stop.  Any illegal behavior that increases your risk to the insurance company raises your rates.  If you prove you have a gun safe and adaquate training, your rates go down.  It's a free market solution that right wingers love.

      "Perhaps the sentiments contained in the following pages, are not YET sufficiently fashionable to procure them general favour..."

      by Buckeye Nut Schell on Thu Dec 20, 2012 at 10:52:52 AM PST

      [ Parent ]

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