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Forum Post: How much liability coverage would you need for something like Sandy Hook?

Posted 1 year ago on Dec. 16, 2012, 7:37 a.m. EST by factsrfun (10721) from Phoenix, AZ
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[-] 3 points by factsrfun (10721) from Phoenix, AZ 1 year ago

Car owners carry insurance, why not gun owners?

[-] 1 points by bensdad (8977) 1 year ago

“MY” gun control law

fundamentally, SIMPLY

my concept is based on drawing a parallel between cars & guns.

If you want to argue that we don’t have a constitutional right to own a car – and we have a right to bear arms, frankly, my dear, I don’t give a damn. You do not have a legal right to bear a tank or bazooka or automatic machine gun.

consider these two cases

1 you leave your locked car parked on the street – some one steals it, hot wires it and uses it to murder someone – are YOU legally responsible ?
2 you leave your unlocked car parked on the street – with keys in the ignition – some one steals it, and uses it to murder someone – are YOU legally responsible for your negligence?

Here is my proposal for a NATIONAL gun law:
All procedure fees will be priced to be very profitable
All present guns and owners will be covered by these laws

.........................and - no - it will not SOLVE all gun problems

1 all gun owners must be licensed and tested with all guns that they own and
a written test to guarantee the owner's understanding of gun laws

if you own a motor cycle, a dump truck, and a car – you are tested in each being forced to know the law - via the test - means the police know who you are - and you may be less likely to commit a crime

2 every year, you must prove that you have gun liability insurance & be background checked and prove that your gun is properly locked when not used .

insurance should be at least as high as car insurance
you must prove your car insurance
annual back ground check to verify your suitability to own guns
every gun must be locked in a gun case or have a trigger lock

3 as the owner of a gun, you are legally responsible for what is done with it.

the owner will be much less likely to leave a gun accessible to a family member or thief

4 every gun must be registered and tested - and sample fired bullet stored

knowing that your gun & its bullets are so easily traced will make you think before using it


if we legalize drugs, we will clear out jail cells to fill with gun law breakers
and free up police "time" for real crime investigation

penalties and fees must be very high in money & jail time – especially after the first offense

no citizens ( except dealers & real collectors ) need more than a small number of guns

fees should be higher for more guns.

Gun fees should be high enough to create a very substantial gun buy-back program

The nra fighting against this will be balanced by the insurance companies fighting for it

........................................................what do you think ? ........................................................what can we do - that CAN be done ?

▬►▬►▬►▬►▬►▬►▬►,,,,,,,,WRITE YOUR CONGRESSMAN & SENATORS !!!!!!!

[-] 1 points by bensdad (8977) 1 year ago

I know how much we all hate all of the dastardly MSM.
But lets write and call them to demand that they, for the next few months, ask every politician that they interview about what they WILL DO to solve this problem.

2012 Top 20 NRA contributions

Candidate Amount Boehner, John (R-OH) $48,575
Rehberg, Denny (R-MT) $43,029
West, Allen (R-FL) $38,351
Brown, Scott (R-MA) $30,275
Bachmann, Michele (R-MN) $28,822
Heller, Dean (R-NV) $26,900
Barrasso, John A (R-WY) $23,258
Paul, Ron (R) $21,700
Coffman, Mike (R-CO) $20,200
Quayle, Ben (R-AZ) $19,600
Hartzler, Vicky (R-MO) $19,000
Noem, Kristi (R-SD) $18,235
Berg, Rick (R-ND) $16,950
King, Steven A (R-IA) $16,700
Tipton, Scott (R-CO) $16,400
Ryan, Paul (R-WI) $16,075
Thune, John (R-SD) $15,900
Schilling, Bobby (R-IL) $15,800
McConnell, Mitch (R-KY) $13,500
Renacci, Jim (R-OH) $13,400


[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

What I'm saying is if every gun death cost every gun owner roughly a cent and a half (per gun), something would be done.

[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

See my "insurance" rough numbers what would happen is the insurance companies with the gun owners would work out ways to really reduce gun deaths and therefore lower payouts, take one from the cons let the market fix the problem.

[-] 1 points by TrevorMnemonic (5827) 1 year ago

i'd say that is reasonable.

Considering hunting accidents happen as well as gun crimes. Still doesn't prevent though... but it's definitely reasonable.

I'd still like public healthcare too.

[-] 2 points by factsrfun (10721) from Phoenix, AZ 1 year ago

If you answer the headline question you might be surprised the affect, will people really pay a thousand or two a year just to own a gun and another thousand for the second one. Gun insurance would run about the same as liability on cars does now, of course big mags and fast guns would be higher.

[-] 0 points by TrevorMnemonic (5827) 1 year ago

You bring up some rather excellent points here.

[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

This monster would deny six year-olds the guns they need to defend themselves, why should only the teachers have guns?


at least he points out "once you start drawing the line where do you stop" look at what happened with speed limits at first it was just keeping us below 75 or so now it's 5 miles per hour everywhere.

[-] 1 points by bensdad (8977) 1 year ago

The line should be drawn-
everyone who owns a gun or wants to own a gun
must be required to take a tour of the Newtown school

[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

Or at least carry insurance, if you do the math say a 5 million payout for each gun death so those affected would not lose their homes because of their grief, you would need about $500,000,000,000.00 per year with 300 million guns it works out to avg. of $1500 per gun, of course it would be a little more if there were non-compliance.

[-] 1 points by bensdad (8977) 1 year ago

and the ins co would pay congress plenty to implement this

[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

use all the tools available, even the marketplace if needed

[-] 0 points by 3roundmagsonly (-63) 1 year ago

Responsible gun owners wouldnt buy it. They keep their guns under lock and key. Irresponsible gun owners are just that, irresponsible. Very hard in a free society to make people responsible.

[-] 2 points by factsrfun (10721) from Phoenix, AZ 1 year ago

If you make it like car insurance (mandatory) they would pay. You would be surprised how quickly people would "self dis-arm" if the economics were different.

[-] 0 points by 3roundmagsonly (-63) 1 year ago

Its a thoughtful idea but will never happen. First off, there are 12000 drunkdriving deaths. 1200 children. No one gets $5 million for a driving death. I think the minimum limit for an insurance policy is $100000/300000. Thats all you could require for a gun death. I dont drink or smoke pot but i voluntarily have a $2 million/5 million car policy and i keep my guns in a 1000 pound safe. Most guns arent registered so only law abiders would be forced to pay. I am very responsible ow, i wont be responsible for others.

[-] 1 points by factsrfun (10721) from Phoenix, AZ 1 year ago

Insurance can be hard to get and expensive after a DUI arrest. Even a drunk driving death is accidental, these deaths are different, anyway if I were on the jury you wouldn't have trouble getting 5 million for a dead child. People would have to carry "proof of insurance" just like they do for cars or lose it and get fined on the spot. It would weigh in on the buying decision if you had to carry a thousand dollar policy on each gun.