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View Diary: Regarding Guns... (95 comments)

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  •  This isn't logically sound. (1+ / 0-)
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    If there is a risk of an incident with a firearm in a home, it does not raise the risk at all if there are 2, or if there are 50. A person can only commit suicide once, a person can only murder someone with a single firearm. Kids that get ahold of a gun and play with them aren't holding 5 firearms in their hands when the things "go off" and shoot their brother.

    While we might be able to reconcile it by assuming that the sort of person who has 50 rifles is more dangerous than the person who has one, statistics simply don't bear this out.

    I can only conclude that you intend for the insurance to be punitive.

    •  I don't pretend to be an expert (1+ / 0-)
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      Killer of Sacred Cows

      on how actuaries calculate risk in any given situation.

      While your points, that a person can commit suicide only once, and a kid is unlikely to be holding more than one gun, are correct, see recent coverage of the Newtown massacre. Several guns were involved.

      I doubt that any hypothetical premium would increase fifteen-fold for keeping fifteen guns (auto premiums do not increase that way either). My thinking, and I am not an isurance company, is that multiple firearms stored casually pose a greater risk of having to pay out on any given policy. This is the reason that insurance companies employ actuaries, to calculate that risk and what premium would, over thousands of policies, cover expected losses.

      As to the insurance being punitive, price a life insurance policy for an airline pilot. They pay the most. Is that punitive? Calling an insurance premium punitive because you and your insurance company have to assume the risk posed by your gun sounds more like sour grapes than reasonable argument. I note that you did not address that portion of my comment.

      Trickle-down theory; the less than elegant metaphor that if one feeds the horse enough oats, some will pass through to the road for the sparrows. - J.K. Galbraith

      by Eric Twocents on Mon Dec 31, 2012 at 06:27:09 AM PST

      [ Parent ]

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