Some food for thought on the subject of firearms insurance at the link to the blog at the end of my post below.
Just off the top of my head I have a few of my own questions:
If firearms were to be covered by insurance -- would we be free to own whichever firearm that we want? That is, would there no longer be firearm, magazine or ammo restrictions? After all, we (firearms owners) would theoretically all be paying to insure against the risk of any misuse of all firearms in existence.
If we are required to insure our firearms against misuse - would we receive a credit for proper use in a lawful self-defense situation? What if a shot is not fired but the bad guy just runs away? How much credit? Since the underwriting of risk by a private firm is essentially a business decision, what are the variables that factor into cost? Is the perceived "lethality" of an EBR more expensive than a mint WWII era Garande? Should a fit octogenarian pay more than a twenty something unemployed OWS kid? What medical records would need be disclosed to underwriters? What about the uninsured motorist, I mean firearm owner? Fear not, I suspect that the actuaries already have the software "loaded."
Finally, would insurance have stopped Adam Lanza?
Some consideration of similar and other legitimate issues at the link below.
Should People Be Forced to Buy Liability Insurance for their Guns?
by Megan McArdle Dec 28, 2012 9:35 AM EST
DailyBeast
http://www.thedailybeast.com/article...heir-guns.html
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