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SickOfTheOnePct

(8,710 posts)

42. That's a good point

Tue Jul 24, 2012, 03:04 PM

Jul 2012

I need to check with my agent to see exactly what my umbrella policy covers with regards to firearms. I know it covers accidents, but you bring up a good point.

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Liability Insurance for Gun Owners, and Gun Manufacturers [View all] HockeyMom Jul 2012 OP

K&R! yellerpup Jul 2012 #1

As a shooting enthusiast... Lizzie Poppet Jul 2012 #2

Same here SickOfTheOnePct Jul 2012 #3

Question? Remmah2 Jul 2012 #92

Touche' SickOfTheOnePct Jul 2012 #102

:) Remmah2 Jul 2012 #121

Cool pic. permatex Jul 2012 #125

Those would be............. Remmah2 Jul 2012 #131

Ask Georgi Markov TheMightyFavog Jul 2012 #151

As a side issue, while it is laudable HockeyMom Jul 2012 #4

They should be held liable SickOfTheOnePct Jul 2012 #6

In one word, YES HockeyMom Jul 2012 #10

Malpractice is normally not intentional SickOfTheOnePct Jul 2012 #19

Only one is designed to kill. morningfog Jul 2012 #69

I think these women would disagree with you permatex Jul 2012 #77

Guns are designed for things other than killing SickOfTheOnePct Jul 2012 #80

You are against the tobacco liability suits? morningfog Jul 2012 #84

Nope SickOfTheOnePct Jul 2012 #100

Maybe, just maybe, the gun lobby and morningfog Jul 2012 #119

Perhaps they are SickOfTheOnePct Jul 2012 #123

There are plenty of gun addicts. morningfog Jul 2012 #128

Do you have a cite for your claim that guns are an addiction? SickOfTheOnePct Jul 2012 #146

See mirror. morningfog Jul 2012 #153

Designed to kill who? nt rrneck Jul 2012 #136

Strange how "illegal use" and "intended function" are one and the same, huh? Scootaloo Jul 2012 #55

Exactly, you made the point I was trying to make much better than I did. morningfog Jul 2012 #70

Hardly SickOfTheOnePct Jul 2012 #104

A gun is a weapon. What is the function of a weapon? Scootaloo Jul 2012 #110

You haven't given any yet. morningfog Jul 2012 #124

How about this permatex Jul 2012 #133

Sorry I didn't jump as quick as you would like SickOfTheOnePct Jul 2012 #144

And for the record SickOfTheOnePct Jul 2012 #145

Gun manufacturers market these guns as "assault" and "tactical" weapons to appeal to baser instincts Hoyt Jul 2012 #114

Admit Hoyt permatex Jul 2012 #120

Why should they be held liable? permatex Jul 2012 #26

I've been talking about this Politicalboi Jul 2012 #5

I have no issue with insurance SickOfTheOnePct Jul 2012 #7

Mandatory gun isurance. I like it. No insurance, no gun. Safetykitten Jul 2012 #8

Gun owner liability insurance would probably not cover an intentional shooting..... soccer1 Jul 2012 #9

You're probably right n/t SickOfTheOnePct Jul 2012 #11

I own a car and have never had an accident HockeyMom Jul 2012 #12

Mine will cover accidental and intentional shootings if the intentional permatex Jul 2012 #31

That's a good point SickOfTheOnePct Jul 2012 #42

Makes sense. Self defense. soccer1 Jul 2012 #59

Yes. permatex Jul 2012 #65

if states require it, insurance will cover illegal shootings too.... mike_c Jul 2012 #48

Are you certain about covering illegal shootings if states require it? soccer1 Jul 2012 #86

if an automobile owner hits someone else while operating illegally... mike_c Jul 2012 #88

This argument convinces me. Democracyinkind Jul 2012 #154

There are so few shootings that it would be dirt cheap - couple of bucks at best. nt hack89 Jul 2012 #13

Mine is like a couple of hundred a year permatex Jul 2012 #36

on the other hand, the liability would be huge.... mike_c Jul 2012 #122

It would be an interesting academic exercise hack89 Jul 2012 #126

The number one clause in the policy... NCTraveler Jul 2012 #14

Exactly soccer1 Jul 2012 #16

Criminals wouldn't be buying insurance anyway hack89 Jul 2012 #18

You're right! But, it's not a stupid idea...... soccer1 Jul 2012 #20

Agreed SickOfTheOnePct Jul 2012 #24

I don't know, but I imagine..... soccer1 Jul 2012 #34

Agree on all points SickOfTheOnePct Jul 2012 #47

Of course not...... soccer1 Jul 2012 #62

Very good post. permatex Jul 2012 #58

Most gun owners I know carry insurance hack89 Jul 2012 #25

Yes, they are. Meanwhile we will soon have a "shooting mayhem" channel on basic. Safetykitten Jul 2012 #30

It is called the Nancy Grace show I think. nt hack89 Jul 2012 #35

Wouldn't most health insurance policies cover an accident? nt. NCTraveler Jul 2012 #32

Not liability.... soccer1 Jul 2012 #40

Not sure why I didn't think about that important aspect. NCTraveler Jul 2012 #60

'Duh" moments are a frequent occurrence for me.... soccer1 Jul 2012 #74

I can relate to that permatex Jul 2012 #81

63, here. soccer1 Jul 2012 #97

What were we talking about? permatex Jul 2012 #101

There will be a time when victims of guns will be denied. Laugh it off, but it's coming. Safetykitten Jul 2012 #41

Then the would be criminal would not be able to buy one at the store. Safetykitten Jul 2012 #27

You can purchase a gun legally and then use it for illegal means. nt. NCTraveler Jul 2012 #29

Yes you can. I like the process though. You think healthcare insurance is hard to get? Safetykitten Jul 2012 #37

"You think healthcare insurance is hard to get?" NCTraveler Jul 2012 #57

Registration v. purchase SickOfTheOnePct Jul 2012 #38

Stopped for traffic violation? Oh, that insurance card for your car, nah...forget that. Safetykitten Jul 2012 #45

Yes, which is exactly what I said SickOfTheOnePct Jul 2012 #52

No. To operate a gun, you would be required to have insurance. Safetykitten Jul 2012 #61

We don't register guns for one thing. hack89 Jul 2012 #44

You need insurance to OPERATE it. Safetykitten Jul 2012 #49

Only on public roads hack89 Jul 2012 #54

First, not all states require insurance SickOfTheOnePct Jul 2012 #64

Please. Just stop. Most civilized states require a registration to operate a car. You have to prove Safetykitten Jul 2012 #73

Only on public roads - not on private property. nt hack89 Jul 2012 #79

Drive around on your property all you want. Safetykitten Jul 2012 #85

Let me own all the guns on my property that I want. nt hack89 Jul 2012 #93

Agreed nt permatex Jul 2012 #43

And what insurance company is going to WRITE that policy in the first place? Bake Jul 2012 #137

people got mad a few months ileus Jul 2012 #15

And car manufacturers too, right? hack89 Jul 2012 #17

I have insurance as a rider on my homeowners policy. permatex Jul 2012 #21

Also, accidental shootings might be covered under a homeowners or rental insurance policy soccer1 Jul 2012 #22

Internet Sales HockeyMom Jul 2012 #23

I saw the range owner on TV last night SickOfTheOnePct Jul 2012 #28

Firearms bought over the internet already cannot be sent to your home permatex Jul 2012 #51

Ammo too HockeyMom Jul 2012 #66

We're just going to have to agree to disagree on this. permatex Jul 2012 #75

Are you saying you want background checks to buy ammo? n/t SickOfTheOnePct Jul 2012 #105

Yes HockeyMom Jul 2012 #139

Nope SickOfTheOnePct Jul 2012 #143

It would make millions for the NRA hack89 Jul 2012 #33

I think this is an excellent idea-- require ALL gun owners to carry liability insurance... mike_c Jul 2012 #39

It would make the NRA so much money - think how much more political power they will have. nt hack89 Jul 2012 #50

I seriously doubt that.... mike_c Jul 2012 #71

The NRA, just like AARP, endorses insurance already hack89 Jul 2012 #78

even if true, I think that's a bit of a red herring.... mike_c Jul 2012 #83

Insurance will not stop violence just like auto insurance does not stop accidents. hack89 Jul 2012 #91

look, we all know that part of the problem is that gun violence is cheap and easy in America.... mike_c Jul 2012 #129

I do not need insurance to keep and drive a car on private property hack89 Jul 2012 #130

false analogy.... mike_c Jul 2012 #132

I have insurance hack89 Jul 2012 #134

I'm talking about gun violence, not "accidents...." mike_c Jul 2012 #138

Lumping in lawful gun owners with gang bangers and other illegal gun users hack89 Jul 2012 #149

I checked HockeyMom Jul 2012 #106

What stops them from endorsing liability insurance? It is a can't miss business opportunity. nt hack89 Jul 2012 #111

Absolutely! soccer1 Jul 2012 #56

AND the gun manufacturers HockeyMom Jul 2012 #68

Why in the world would you hold a manufacturer permatex Jul 2012 #89

Most of us already carry liability insurance, because we own homes slackmaster Jul 2012 #103

does your policy cover negligent, accidental, or improper gun operation? mike_c Jul 2012 #117

My policy doesn't have any exclusions that mention firearms. It's the same as if I screw up with... slackmaster Jul 2012 #142

if you operate your automobile illegally, and cause an injury or property loss... mike_c Jul 2012 #152

If insurance companies could justify charging higher premiums for people who own guns, slackmaster Jul 2012 #155

I'd prefer jail terms..... bowens43 Jul 2012 #46

For the manufacturers? SickOfTheOnePct Jul 2012 #108

Exactly. But any attempt to make gun owners "responsible" will be met with the usual whining villager Jul 2012 #53

Well, so far, most gun owners here agree permatex Jul 2012 #95

Really? "Most gun owners here agree?" villager Jul 2012 #96

Yes permatex Jul 2012 #99

No. Though you are free to post in the gungeon that guns should, at a minimum be regulated like cars villager Jul 2012 #112

I can't help that your too blind to see the truth permatex Jul 2012 #135

"If guns were as regulated as cars..." villager Jul 2012 #141

No NRA insurance HockeyMom Jul 2012 #63

No. People who buy guns have to have insurance. No registration. Just insurance. Safetykitten Jul 2012 #67

Yes, registration HockeyMom Jul 2012 #107

Only gun manufacturers? SickOfTheOnePct Jul 2012 #72

The beauty of this is that insurance companies will destroy the gun market. Genius. Pure genius. Safetykitten Jul 2012 #76

Exactly my hidden agenda HockeyMom Jul 2012 #127

Lethal weapons HockeyMom Jul 2012 #109

How about all the other legal products that can be used illegally to kill people? SickOfTheOnePct Jul 2012 #115

Do doctors have to carry liability insurance? HockeyMom Jul 2012 #140

Target practice, hunting, competitive shooting SickOfTheOnePct Jul 2012 #147

How about research? HockeyMom Jul 2012 #150

They have no need for insurance as they are protected by law against civil lawsuits Kaleva Jul 2012 #116

How about an extra sales tax on guns to cover the cost of police, Larkspur Jul 2012 #82

There was a poll on DU2 SecularMotion Jul 2012 #87

nonsense, you can no more require insurance Riftaxe Jul 2012 #90

Do you get your gun FREE? HockeyMom Jul 2012 #113

very good idea KT2000 Jul 2012 #94

Which is why I wouldn't oppose mandatory insurance for the gun owner n/t SickOfTheOnePct Jul 2012 #148

Anyone who owns or rents a home and doesn't have a liability policy is either a fool, slackmaster Jul 2012 #98

Yep n/t SickOfTheOnePct Jul 2012 #118