So that talking point about gun liability insurance not insuring illegal acts...

[Lee-Lee]

52. Even if you get them to somehow cover intentional acts you are still

Last edited Tue Oct 10, 2017, 11:55 AM - Edit history (1)

Going to make the NRA very powerful and very rich if you mandate insurance. And for what?

Let's look at the reality of this and how it would play out.

Of course the vast majority of firearms deaths in this country are suicides. Around 60%. You are never going to get insurance to pay on a suicide I don't care what you do.

Now, when you remove suicides of the remaining firearms deaths around 80% of them are drug and/or gang related involving that 16-26 year old male demographic. (This is a CDC stat so if you don't believe me feel free to Google and fact check) It doesn't matter what laws you pass regarding insurance, none of these people invoked in these 80% of shootings give a damm about your laws and none will buy the insurance.

I could break it down further but let's just stop there. So just of those two classes that won't be covered or won't buy insurance we have around 90-92% of firearms deaths the insurance won't cover- before we get into ones that won't be covered for other reasons (other people who won't buy insurance, others who use illegally possessed guns, etc).

So that means you maybe have a product you are mandating purchase of that covers 8% of shootings.

Now, who sells that insurance? Right now as far as actual liability not many companies, and only one does it big- the NRA. And guess what gets you a steep discount on it? Being an NRA member.

If you believe the NRAs self disclosed membership figured they have 4,000,000 dues paying members. There are 100,000,000 gun owners in this country.

I am sure you have done the math by now. If only 1/3 of gun owners sign up for an NRA membership because it's cheaper to join and buy the discounted insurance you are making them buy you just made the NRA 8x larger are more richer. And odds are you just pissed all of them off by forcing them to spend money so they will be very receptive to what the NRA has to say..

Is that juice worth the squeeze?

And if you think that the insurance idea is great because it will make gun ownership somehow prohibitively expensive, think again. It's real cheap now and if you make everyone buy it the cost will just drop even lower. Statistically guns are capita are way safer than cars and insurance hasn't stopped anyone from owning a car. The one exception in the car world is the person with a lot of DUIs who gets priced out- but the law already bans people with criminal convictions of the kind that would affect gun insurance rates from owning a gun, so they would be barred from owning one by law before insurance rates would really come into play.