General Discussion

mike_c

(37,058 posts)

117. does your policy cover negligent, accidental, or improper gun operation?

Tue Jul 24, 2012, 04:03 PM

Jul 2012

If so, I think that's great. But why don't we ever hear about insurance payouts when someone wrongfully kills or injures someone with a gun? And, of course, there is currently no such requirement for liability insurance, as illustrated by James Holmes, who did not own a home and had no other form of gun violence liability insurance.

I'm talking about the sort of insurance that would pay out to the victims of the Aurora shootings, for example, and to their families in the event of a wrongful death conviction. If you walked into a crowded theater and commenced shooting-- bear with me, I'm not suggesting that you would do such a thing, only seeking clarification that we're talking about the same sort of insurance-- would your home owners policy pay out to the victims?

If not, then I don't think we're discussing the same sort of insurance. If it would, then I'm very happy to hear that such policies exist. Why not make them MANDATORY for all gun owners?

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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