A car can cause lots of damage to property or people when used carelessly. So can a gun. In a proposal that in no way hinder’s anyone’s ability to own a gun, California Democrats are proposing new legislation that would require legal gun owners to buy liability insurance so if their weapon hurts or kills someone accidentially, the injured party (or the dead person’s family) can receive insurance benefits.
From the story:
Echoing similar legislation introduced in other states, the legislation, still in its infancy, might apply to anyone already owning a gun, or shooters might have to provide proof of insurance before purchasing a weapon. Unsurprisingly, Sam Paredes, of lobby group Gun Owners of California, is against the idea, accusing the Democrats of trying to “price gun owners out of existence.” He also suggested that the idea of having to be insured to own a gun would be unconstitutional.
Democratic lawmakers proposed legislation Tuesday that would require California gun owners to buy liability insurance to cover damages or injuries caused by their weapons.
Similar bills have been introduced in other states after the Newtown, Conn., school massacre. They include Connecticut, Maryland, Massachusetts, Pennsylvania and New York.
“I was moved, like many others, being the father of two young children, by the Sandy Hook incident and looking for constructive ways to manage gun violence here in California as well as the rest of the country,” said Assemblyman Philip Ting of San Francisco, who introduced AB231 along with Assemblyman Jimmy Gomez of Los Angeles. “There’s basically a cost that is born by the taxpayers when accidents occur. … I don’t think that taxpayers should be footing those bills.”
Ting equated the idea to requiring vehicle owners to buy auto insurance. Gomez said it would encourage gun owners to take firearms safety classes and keep their guns locked up to get lower insurance rates.
It’s not such a nutty idea. The National Rifle Association offers its members liability insurance on the organization’s website.
From the site:
All National Rifle Association members in good standing receive $2,500 of ArmsCare protection at no cost to them. To begin receiving this coverage members must activate their No Cost benefits by visiting the Benefits Activation Site.
But is $2,500 enough to cover your valuable firearms and accessories? For many sportsmen, it’s not.
ArmsCare Plus Firearms Insurance provides NRA members with extra protection for their legal firearms and accessories up to $1,000,000 in coverage. Accessories include scopes, rings, mounts, slings and sling swivels, which are attached to the insured firearm.
ArmsCare Plus covers where most homeowners policies fall short. Firearms and accessories are protected against direct physical loss, damage, fire, and theft. Theft from a vehicle is covered when it is the result of breaking and entering a locked vehicle or locked portion of a vehicle.
Only firearms $2,500 or over must be scheduled but serial numbers are not required.