Should Gun Owners Have to Carry Liability Insurance?

[Boiler 45,516]

Twice if you only use CDC measures...more for young men and more if you tend to drink and handle weapons..but if the insurance companies are on it , they will get real good with an actuarial analysis. What they may find is that certain neighborhoods generate higher costs. This would help drive public safety investment. Money speaks quite loudly.

Trying to think of another area where higher average premiums have generated public safety investment, and also why when those figures are out there now it would require an Insurance aspect to do so.

[Rob L 3,811]

Trying to think of another area where higher average premiums have generated public safety investment, and also why when those figures are out there now it would require an Insurance aspect to do so.

Risk of Fire

[Boiler 45,516]

Flooding would be more appropriate and of course there is a big discussion about the cost versus benefit.

Fire risk variability where I am is mainly down to Forest fire Risk and they seem to have cut down dead tree removal.

[We Keep Receipts 9,238]

Twice if you only use CDC measures...more for young men and more if you tend to drink and handle weapons..but if the insurance companies are on it , they will get real good with an actuarial analysis. What they may find is that certain neighborhoods generate higher costs. This would help drive public safety investment. Money speaks quite loudly.

I don't think I should be charged more for me being a male. Since I have no record and no incidents with drugs or alcohol, I should be charged at the same rate as anyone else.

[Janelle2002 3,865]

Sorry Rob, but when you talk about gun control and responsibility, black people will always be brought up. It's some people's way of saying, don't worry about us, worry about them.

And yet, lives are still lost due to gun violence, the color doesn't matter. And please tell one of the parents who lost their kids in the Sandy Hook massacre at least you don't live in Chicago.

It appears taking your life with a gun and convincing other to take their life with a gun as well is not as equally evil as killing someone with a gun as long as the stats make another race look bad.

Tell the people in Colorado at least they don't live in Detroit. Gun violence can never happen to them.

[Boiler 45,516]

I don't think I should be charged more for me being a male. Since I have no record and no incidents with drugs or alcohol, I should be charged at the same rate as anyone else.

No reported incidents you mean?

Maybe a full medical to check on prior drug and alcohol usage?

They could check your gender at the same time.

It appears taking your life with a gun and convincing other to take their life with a gun as well is not as equally evil as killing someone with a gun as long as the stats make another race look bad.

Tell the people in Colorado at least they don't live in Detroit. Gun violence can never happen to them.

Hmmm

I think I will stay in Colorado.

[We Keep Receipts 9,238]

No reported incidents you mean?

Maybe a full medical to check on prior drug and alcohol usage?

They could check your gender at the same time.

I mean NO INCIDENTS. I don't drink, never did drugs, and haven't had any run ins with the law.

Tell you what, let's throw a psyche evaluation in there. So we can weed out the folks that shouldn't have guns in the first place.

[Rob L 3,811]

I don't think I should be charged more for me being a male. Since I have no record and no incidents with drugs or alcohol, I should be charged at the same rate as anyone else.

The actuarial will find those behaviors that make you a lower risk (neighborhood, gun locks, safety training, past behavior, demographics) and financially reward you with lower premiums...I am guessing (but I don't know) that Young Males drive a big part of the risk..but if it is hard for them to pony up based on being in a high risk group they could change their choices or defer gun ownership until they afford it.

If you are really confident that you are low risk, and belong to an economically privileged group you could self insure and post a bond, just like uninsured motorists.

[Janelle2002 3,865]

No reported incidents you mean?

Maybe a full medical to check on prior drug and alcohol usage?

They could check your gender at the same time.

Hmmm

I think I will stay in Colorado.

I mean NO INCIDENTS. I don't drink, never did drugs, and haven't had any run ins with the law.

Tell you what, let's throw a psyche evaluation in there. So we can weed out the folks that shouldn't have guns in the first place.

If we throw in psyche evaluations, many people in Montana, Wyoming, Mississippi, you know the high gun rate places, will not be able to own guns since they have the highest gun rate violence and apparently mental health issues due to the high suicide rates. We wouldn't want that to happen.

Edited October 17, 2014 by Janelle2002

[Rob L 3,811]

I mean NO INCIDENTS. I don't drink, never did drugs, and haven't had any run ins with the law.

Tell you what, let's throw a psyche evaluation in there. So we can weed out the folks that shouldn't have guns in the first place.

If you get a psyche eval, we will lower your premiums, Flo would be so proud

[We Keep Receipts 9,238]

The actuarial will find those behaviors that make you a lower risk (neighborhood, gun locks, safety training, past behavior, demographics) and financially reward you with lower premiums...I am guessing (but I don't know) that Young Males drive a big part of the risk..but if it is hard for them to pony up based on being in a high risk group they could change their choices or defer gun ownership until they afford it.

If you are really confident that you are low risk, and belong to an economically privileged group you could self insure and post a bond, just like uninsured motorists.

I don't belong to this group. But if I got a gun, I would have no issues with carrying liability insurance. What's funny is you have to have insurance to drive a car, yet having insurance to carry a firearm seems to be ludicrous to some.

[Rob L 3,811]

They could check your gender at the same time.

Do you want to walk this back, or does it stand?

[We Keep Receipts 9,238]

If we throw in psyche evaluations, many people in Montana, Wyoming, Mississippi, you know the high gun rate places, will not be able to own guns since they have the highest gun rate violence and apparently mental health issues due to the high suicide rates. We wouldn't want that to happen.

I'd wager some people here wouldn't make the cut.

If you get a psyche eval, we will lower your premiums, Flo would be so proud

Sorry. I like Flo, but I'm a USAA kind of guy

[Teddy B 17,252]

I'm not a gun owner so I'm not sure how this works for homeowners ins. Do gun owners have to declare their weapons to their homeowners insurance company? Do they pay any extra for their policy for having guns in the home? If so wouldn't any accident in the home be covered under the umbrella of the homeowners policy?

[Rob L 3,811]

I don't belong to this group. But if I got a gun, I would have no issues with carrying liability insurance. What's funny is you have to have insurance to drive a car, yet having insurance to carry a firearm seems to be ludicrous to some.

And ones behaviors has a driver, are only socialized so far. Sooner or later the type of car, where they drive and how they drive will help modify their choices. It is a libertarians w*t dream !