I’m starting a new series of articles called Taking Guns Away. For all of you who keep telling people nobody is talking about taking your guns away, you’re tuning a blind eye to facts. Instead of walking into your home and demanding confiscation or mandatory buy-backs, the gun-grabbers will just make it too expensive to own firearms or make them completely worthless in a self-defense situation.
We start this series off with the legislative demand for liability insurance that could cost gun owners upwards of $2,000 per year. Legislation like this is a bullying tactic to bypass the 2nd Amendment. The suggestion “society is paying, so gun owners should pay” is outrageous since I’m quite certain the criminals who are involved in almost all of the violent gun crime in the United States won’t be calling up Progressive, Aetna, Geico or Amica to sign up for a policy. If the estimates of $1,000 to $2,000 per year are close, the only people who will be able to afford to own a firearm are the rich, I don’t think the upper-middle class could afford it. Of course, the estimates of costs are just for owning a firearm, could you imagine the cost for liability insurance if you were carrying?
That said, I have a strong belief based in fact - here, here, here, and here – that firearm owners who have gone through the background checks required to get carry permits are much more law-abiding than the general public. I bet permit holders are better drivers and don’t get convicted of DUI as frequently either. Maybe having a permit should get us a discount on our homeowners and auto policies?
In one example, New York Democrat Felix Ortiz has proposed and drafted legislation demanding all gun owners – except for law enforcement of course – to carry liability insurance.
AN ACT to amend the insurance law, in relation to requiring owners of firearms to obtain liability insurance
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
Section 1. The insurance law is amended by adding a new section 2353 to read as follows:
S 2353. Firearm owners insurance policies. 1. Any person in this state who shall own a firearm shall, prior to such ownership, obtain and continuously maintain a policy of liability insurance in an amount not less than one million dollars specifically covering any damages resulting from any negligent or willful acts involving the use of such firearm while it is owned by such person. Failure to maintain such insurance shall result in the immediate revocation of such owner’s registration, license and any other privilege to own such firearm.
2. For purposes of this section, a person shall be deemed to be the owner of a firearm if such firearm is lost or stolen until such loss or theft is reported to the police department or sheriff which has jurisdiction in the county, town, city or village in which such owner resides.
3. Any person who owns a firearm on the effective date of this section shall obtain the insurance required by this section within thirty days of such effective date.
4. The provisions of this section shall not apply to any peace officer who is authorized to carry a firearm.
5. The department is hereby authorized and directed to promulgate rules and regulations necessary to carry out the provisions of this section.
S 2. This act shall take effect on the ninetieth day after it shall have become a law, provided, however, that effective immediately, the addition, amendment and/or repeal of any rule or regulation necessary for the implementation of this act on its effective date is authorized to be made and completed on or before such date.
Connecticut lawmakers are taking the first step and have voted to write up draft legislation.
California and other states are doing the same thing.
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.”