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Mandatory Gun Insurance Is Making A Comeback

Image source: postcrescent.com

Image source: postcrescent.com

Second Amendment infringement may be on the horizon again, with so-called “gun insurance” added to the list of requirement to purchase and carry a firearm.

US Rep. Carolyn Maloney (D.-N.Y.) has introduced a gun control bill that would mandate that every American who wants to own a gun also purchase and carry liability insurance as well.

The Firearm Risk Protection Act, H.R. 2546, was unveiled in late May and would require that gun owners buy liability insurance coverage before being permitted to buy a handgun or a rifle from a store or dealer. A $10,000 fine would be levied if a gun owner is caught without gun insurance.

The only exemptions would be members of the military and law enforcement officers.

“We require insurance to own a car, but no such requirement exists for guns,” Maloney said. “The results are clear: Car fatalities have declined by 25 percent in the last decade, but gun fatalities continue to rise. One reason is that auto insurance incentivizes precautions that reduce accidents, and make crashes less deadly. No similar incentives exist for gun owners.”

Maloney, one of the more liberal members of Congress, claimed it was a “free market” bill.

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“An insurance requirement would allow the free market to encourage cautious behavior and help save lives,” she said. “Adequate liability coverage would also ensure that the victims of gun violence are fairly compensated when crimes or accidents occur.”

But Bob Owens at BearingArms.com countered that there “is no law mandating that Americans must purchase insurance to possess or own a car.”

“Nor is there any tie whatsoever between liability insurance and the declining lethality of automobile accidents; the lives saved in motor vehicle accidents are best attributed to rapid advances in automobile safety technologies demanded by consumers (not government intervention) in recent decades,” Owens wrote.

Also, the gun homicide rate is down 49 percent since 1993, according to the Pew Research Center.

George Mocsary, a professor from the Southern Illinois University School of Law, said that most gun insurance proposals would not cut gun violence or provide adequate compensation.

“The last year has seen a number of calls for legislation requiring would-be gun owners to maintain liability insurance,” Mocsary said during a forum on such legislation, according to the Insurance Business America website. “The idea is that it would serve as a private regulator of guns and compensate victims of gun violence. There’s good reason to believe, however, that insurance would fall short of both of these goals.”

For example, nearly 97 percent of gun deaths involve murders or suicides, and neither are covered under most gun insurance proposals.

Besides, Mocsary said, criminals wouldn’t purchase insurance.

“There’s no reason to believe a criminal who doesn’t fear criminal sanctions for homicide would fear a penalty for not insuring,” Mocsary said.

Do you favor or oppose gun liability insurance? Share your thoughts in the section below:

There’s A Secret To Navigating Federal And State Gun Regulations. Read More Here.

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7 comments

  1. So then we follow up with knife insurance, hammer insurance, and axe insurance. Where can this go, what else takes the lives of people that can be insured? Screw driver insurance, Baseball bat insurance, where will it stop?????

    • @Curtiss, Great point! All these insurances are is just another way for the government to tax (increase their revenue) and track us. Also then they can justify stopping you if they see you have a gun, saying, “just checking if you have your insurance card”. Fear what would happens if you don’t.

      • So, soon we’ll have fork insurance or we’ll have to go with using blunted chopsticks (as in China at one time so they couldn’t be used as weapons). Trust your government, they know much more than you.

    • True, but remember your screw driver insurance won’t cover you or anyone else if it’s used in a commission of a crime!!

  2. For one, it is illegal (on the federal level) for the government to force you to buy anything at all (why the ACA was passed as a tax law not health care law). Two. It would end up punishing innocent people (like when their gun is stollen) and used it would raise that person’s premium (or so I understand). Three. The vast majority of crimes commuted with a gun are committed with a gun obtained through non-legal means.

  3. Again the commies on the left with another ploy of underhanded gun registration via insurance and an added benefit to them would be the thousands of law abiding citizens who will willingly forgo firearms ownership to avoid paying the insurance.
    It is never about safety with these commies, it is always about removing the peoples ability to bring force against a rogue government.

  4. Don’t forget, just like car insurance, costs will scale!

    Here are the excuses why you will pay more and more.

    1. More than 1 gun? Well you must be more active with them!

    2. Poor credit? Well statisticly you are a bigger risk!

    3. Live in a violent area? Well we are gonna need a few more Franklins Sir/Ma’am!

    4, Oh you hunt? How precious! Pay more!

    5. Never had a accidental discharge? Good for you, but it just means that statistically you are overdue. So pay up.

    6. You have children, well you have seen all those sad commecials with the accidental death stats, no..no we don’t care about how well you do as a parent, be prepared to pay for all of the bad parents with no foresight!

    Insurance companies Do NOT lose money, it’s bad buisness, thats why you will pay and pay. Expect the knife,hammer baseball bat insurance. I’m sure Maloney stands to make a tidy sum if this crap gets passed, or have a golden parachute boardroom job lined up as a favor returned.

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