Latest Breaking News

hack89

(39,181 posts)

14. You are suggesting a traditional insurance model, correct?

Thu Mar 28, 2013, 09:46 AM

Mar 2013

whereby insurance companies would use demographic data and crime statistics to create actuarial tables that quantify risk. Which would mean that me, a white middle aged man with a graduate education living in a low crime area and a long history of responsible gun use would pay significantly less than a young man living in a high crime area.

That is what you are suggesting, right? Which raises the interesting point - what percentage of that high risk group do you think will actually purchase insurance? Especially since it would be so expensive for them? And if the cost for those in that high risk group is prohibitively expensive, don't you think you have some constitutional issues to deal with, especially if the impact falls disproportionally on certain classes of people or on people that live in certain areas?

Edit history

Please sign in to view edit histories.

Recommendations

0 members have recommended this reply (displayed in chronological order):

129 replies

= new reply since forum marked as read

Highlight:

Gun Violence Costs U.S. Health Care System, Taxpayers Billions Each Year [View all] onehandle Mar 2013 OP

This is why it should be mandatory for all gun owners Crunchy Frog Mar 2013 #1

No insurance covers criminal acts hack89 Mar 2013 #2

Companies can insure themselves against criminal behavior Robb Mar 2013 #3

But the insurance companies can say no if the risk is too high hack89 Mar 2013 #5

Manufacturers could bear that burden Robb Mar 2013 #7

Insurance will not cover individuals for intentional criminal acts hack89 Mar 2013 #10

^RW/NRA talking points, that's *what*...eom Kolesar Mar 2013 #13

So show us a single insurance company that will cover individual criminal acts. hack89 Mar 2013 #15

^Mister Obtuse has entered the forum...eom Kolesar Mar 2013 #21

I will take that as a no. nt hack89 Mar 2013 #22

No, you should take it as being the point. No insurance company is going to insure all the nut jobs Hoyt Mar 2013 #81

So why are we talking about insurance when you say it won't happen? hack89 Mar 2013 #82

You don't have insurance that covers you if you shoot someone who doesn't deserve it. Hoyt Mar 2013 #86

Insurance companies do not insure criminal acts hack89 Mar 2013 #87

We'll, you can be required to post a bond. Lots of ways to make gun cultists cover Hoyt Mar 2013 #90

When you find a way to make criminals posts bonds, let me know. nt hack89 Mar 2013 #92

Criminals have gins because you guys make it easy for them. Hoyt Mar 2013 #93

ok. nt hack89 Mar 2013 #94

Insurance can cover intentional acts guninsuranceblog Mar 2013 #88

You are suggesting a traditional insurance model, correct? hack89 Mar 2013 #14

If guns are so inherently risky Crunchy Frog Mar 2013 #71

They will insure against accidents or negligence, not deliberate crime hack89 Mar 2013 #72

If a person can't get insurance, they shouldn't be allowed to own. freshwest Mar 2013 #122

You are missing the point. hack89 Mar 2013 #123

What kind of agency covers it? And what did you have to prove to get it? freshwest Mar 2013 #124

It is an umbrella liability policy from the company I get all my insurance from. hack89 Mar 2013 #125

Sounds like car or homeowners and not what I'm talking about. If it doesn't cover at the limits freshwest Mar 2013 #126

You are not making much sense here hack89 Mar 2013 #127

I'm not in the mood for this. Have a nice weekend. freshwest Mar 2013 #128

Same to you. nt hack89 Mar 2013 #129

Just don't call it insurance cosmicone Mar 2013 #89

Why not put that burden on those that shoot other people? hack89 Mar 2013 #91

Because most of them are losers cosmicone Mar 2013 #115

Why are you afraid of being forced to be responsable? baldguy Mar 2013 #97

I have liability insurance for my guns. hack89 Mar 2013 #98

And how much of your premium goes to fund the medical costs of gun violence Americans pay for? baldguy Mar 2013 #104

That is not how insurance works. hack89 Mar 2013 #107

This would raise billions for the NRA hack89 Mar 2013 #23

I'm fine with that Crunchy Frog Mar 2013 #73

But it won't work the way you want if insurance companies treat gun owners like other customers hack89 Mar 2013 #75

Should knife and hammer owners have insurance? Remmah2 Mar 2013 #51

How much risk is associated with them? Crunchy Frog Mar 2013 #74

Knives kill four times as many people than assault weapons hack89 Mar 2013 #78

Drunk drivers kill nearly many people as those murdered by guns too. Remmah2 Mar 2013 #85

You are lying. baldguy Mar 2013 #99

Knives 13% Rifles 3 %. You just proved my statement. hack89 Mar 2013 #100

People who build in flood zones are expected to pay their own way. Robb Mar 2013 #4

Except all tax payers subsidize Federal flood insurance hack89 Mar 2013 #6

That's a two year-old article. Robb Mar 2013 #8

Good. nt hack89 Mar 2013 #12

Raise some of the money Scalded Nun Mar 2013 #9

There are significant Federal taxes on guns and ammo - it goes to environmental projects hack89 Mar 2013 #16

How much, in actual dollar figures, do these "significant" taxes bring in? SunSeeker Mar 2013 #25

I am constantly surprised how little many gun controllers know about our present gun laws. hack89 Mar 2013 #27

I am asking you for a dollar figure for what you mean by "significant" and you resort to insults. SunSeeker Mar 2013 #33

You asked a question you should have known the answer to. nt hack89 Mar 2013 #36

Come on hack, you didn't just make shit up did you? SunSeeker Mar 2013 #39

You asked if there was a special tax on guns and ammo? Remember? nt hack89 Mar 2013 #41

No, I asked "How much, in actual dollar figures, do these "significant" taxes bring in?" SunSeeker Mar 2013 #43

About $3 billion annually in excise and business taxes. hack89 Mar 2013 #44

Ah, so you WERE making shit up. SunSeeker Mar 2013 #50

What did I make up? I just said there was tax revenue that could be diverted. hack89 Mar 2013 #52

You said, "There are significant Federal taxes on guns and ammo - it goes to environmental projects" SunSeeker Mar 2013 #53

You are trying too hard here hack89 Mar 2013 #56

"I had no dollar figure in mind" = "I made shit up" SunSeeker Mar 2013 #61

He's making shit up. baldguy Mar 2013 #101

LOL. Yeah, I think he forgot he wasn't posting in the gungeon. nt SunSeeker Mar 2013 #103

So what did I make up? hack89 Mar 2013 #113

Post # 44: "About $3 billion annually in excise and business taxes." baldguy Mar 2013 #114

You showed me the excise tax. Now show me the business tax. hack89 Mar 2013 #116

It's your number. You prove it. baldguy Mar 2013 #117

So you were lying when you said I made things up. hack89 Mar 2013 #118

I noticed you've offered no proof yet. baldguy Mar 2013 #119

You doubling down? nt hack89 Mar 2013 #120

I am surprised how much gun nuts MoclipsHumptulips Mar 2013 #95

ok. nt hack89 Mar 2013 #96

Welcome to DU, MoclipsHumptulips! SunSeeker Mar 2013 #106

This message was self-deleted by its author hack89 Mar 2013 #28

Special tax - 10% for guns, 11% for ammo. hack89 Mar 2013 #30

And how much does that bring in? SunSeeker Mar 2013 #32

I know it is not enough. Never said it was. hack89 Mar 2013 #35

Try answering the question. nt SunSeeker Mar 2013 #55

$ 3 billion nt hack89 Mar 2013 #58

That is what you said came in from regular federal income/excise taxes. SunSeeker Mar 2013 #62

$500 million nt hack89 Mar 2013 #63

Link(s)? SunSeeker Mar 2013 #65

Sure hack89 Mar 2013 #66

I know the link for Google. Where do you get that $500 M figure? nt SunSeeker Mar 2013 #67

Exactly DallasNE Mar 2013 #20

+1 SunSeeker Mar 2013 #26

10% for gun, 11% for ammo. hack89 Mar 2013 #31

What % tax are the dope, heroin, crack dealers paying? Remmah2 Mar 2013 #45

It's not about violent criminals - its about evil gunz. nt hack89 Mar 2013 #47

Spare Parts Are Not Taxed DallasNE Mar 2013 #68

I would rather tax the criminals that are shooting people hack89 Mar 2013 #69

Unless the criminals are going directly to the popgun factories and stealing them from there, IveWornAHundredPants Mar 2013 #76

No - a straw purchaser is a criminal too. And criminals do steal guns from homes. hack89 Mar 2013 #77

I know criminals steal guns from homes. IveWornAHundredPants Mar 2013 #79

Very seldom is a legal gun owner involve hack89 Mar 2013 #80

We're talking about heavy taxes on guns and ammo. IveWornAHundredPants Mar 2013 #83

Fortunately it is all a pipe dream. hack89 Mar 2013 #84

Not some of the money, ALL of the money. Tax them enough to cover the costs to taxpayers. nt SunSeeker Mar 2013 #24

Lets do the same for alcohol and tobacco while we are at it. hack89 Mar 2013 #29

So you agree? SunSeeker Mar 2013 #37

If you can get it though Congress and the Supreme court then I will willingly pay. nt hack89 Mar 2013 #38

LOL. Well your right wing buddies won't be there forever. nt SunSeeker Mar 2013 #40

How many decades have repukes been expecting Scalia and his buds to overturn Roe v Wade? hack89 Mar 2013 #42

Scalia is getting old. nt SunSeeker Mar 2013 #48

Boy - that really went over your head. nt hack89 Mar 2013 #49

I see you never miss an opportunity for an insult, even when your insult makes no sense. SunSeeker Mar 2013 #54

The point being that the composition of the court is no indication of what they will do. hack89 Mar 2013 #57

I'd say ban alcohol. Remmah2 Mar 2013 #46

If only emergency rooms had more guns, this never would happen. valerief Mar 2013 #11

mark for later rurallib Mar 2013 #17

This is more than offset by the jobs it creates Doctor_J Mar 2013 #18

Fail Gungeoneer fails hard. nt onehandle Mar 2013 #19

K&R SunSeeker Mar 2013 #34

Such small prices to pay for the joy, liberty, and freedom to pack heat and be able to blow others indepat Mar 2013 #59

Time for a special tax on guns Kingofalldems Mar 2013 #60

Gun nuts love their stupid guns more than they love human life jpak Mar 2013 #64

As long as it's other people's children, anyway. baldguy Mar 2013 #102

If we're willing to confront the effect of bad diets, lack of exercise, smoking... CBHagman Mar 2013 #70

104 posts in this thread and I can see like 20 ellisonz Mar 2013 #105

Same here. Gungeoneer fail as usual I would imagine. onehandle Mar 2013 #108

Yep. ellisonz Mar 2013 #112

aw, it's just the usual paranoid gun nuts Skittles Mar 2013 #109

Yeah, it's pretty hilarious when hack gets nailed for making shit up. nt SunSeeker Mar 2013 #110

What a surprise! ellisonz Mar 2013 #111

So end the War on Drugs already davepc Mar 2013 #121