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Message started by thumperclone on 04/20/24 at 07:58:01

Title: gun insurance
Post by thumperclone on 04/20/24 at 07:58:01

Colorado house passed a bill requiring gun owners to purchase liability insurance...

if this becomes law will the insurance industry become gun control
potentates ?

mean while the paranoid gun nuts will have something to b..ch about !

Title: Re: gun insurance
Post by MnSpring on 04/20/24 at 17:24:12

667A677F627760717E7D7C77120 wrote:

Colorado house passed a bill requiring gun owners to purchase liability ...

When will it be required to have insurance on,
Golf Clubs, Baseball Bats, Hockey sticks, Tennis rackets, non motorcycled Bikes, Etc, Etc, Etc, ?

Title: Re: gun insurance
Post by Eegore on 04/20/24 at 22:14:39

"When will it be required to have insurance on,
Golf Clubs, Baseball Bats, Hockey sticks, Tennis rackets, non motorcycled Bikes, Etc, Etc, Etc, ?"

Probably when kids start blowing their faces off with their dad's baseball bat he left loaded on the nightstand.

Title: Re: gun insurance
Post by zevenenergie on 04/21/24 at 00:19:03

It is a tax. The measure probably comes from the lobby of the major insurance companies. The mega corporations will collect taxes because they are the ones who are gaining more and more power. The government is increasingly becoming an instrument in their hands.

You will have no possessions but you will be happy (as long as it suits us)

Title: Re: gun insurance
Post by WebsterMark on 04/21/24 at 10:49:47

If someone steals my car and commits a crime with it, am I liable for damages? is my automotive liability insurance policy subject to suit?

Title: Re: gun insurance
Post by MnSpring on 04/21/24 at 12:06:12

5A7A78706D7A1F0 wrote:

" Probably when kids start blowing their faces off ..."

Title: Re: gun insurance
Post by Eegore on 04/21/24 at 19:11:05

If someone steals my car and commits a crime with it, am I liable for damages? is my automotive liability insurance policy subject to suit?

No.

In this case it wouldn't apply to the CO gun insurance either as it is for negligent discharge and not criminal actions.

Title: Re: gun insurance
Post by Eegore on 04/21/24 at 19:28:23

Most States have a law that a firearm must not be accessible to a people of certain ages.

So BILLIONS of other people,
Are to be responsible,
For a DFI to NOT,
provide Information, and Education.
And Not Follow The Law ?

No, because BILLIONS of humans are not CO State gun owners who fund the liability program, nor are there BILLIONS of tax-paying US citizens. This would be considered "Spin" by some.

How would you respond to someone saying gun liability insurance will save BILLIONS of kids lives? There's BILLIONS of kids dying from negligent discharge?

Your question was when will sports equipment need liability insurance. When kids start blowing their faces off with tennis rackets. Who knows, maybe when kids start killing each other with overhead serves.

The problem is that criminal prosecution doesn't always compensate the victim/families, liability insurance is exactly for that reason.

This doesn't mean I am pro-gun insurance. It means I can make an accurate and reasonable assessment of an action I do not agree with, instead of blowing it out of proportion making obviously false claims of it's impact.

Title: Re: gun insurance
Post by zevenenergie on 04/22/24 at 00:33:32

Title: Re: gun insurance
Post by Eegore on 04/22/24 at 01:54:34

But how will that work?

A criminal a confused person or someone under the influence of a substance shoots someone's face off. And the insurance company that insured the shooter, reimburses the damage?

That will be the day

So like every day then.

It will work like all liability insurance works. A criminal a confused person or someone under the influence of a substance wrecks a car into another human, the insurance company that insured the driver, reimburses the damage. This is normal in the US.

There's always other circumstances, but liability insurance is for reimbursement to the victim. Of course they will fight claims, but the purpose of liability insurance is for addressing the victim. Criminal law addresses the criminal.

CO firearm liability insurance covers losses or damages to a person, other than the policyholder, who is injured on the insured property as a result of any accidental or unintentional discharge of the firearm.

This doesn't mean I am pro-gun insurance. It means I can make an accurate and reasonable assessment of an action I do not agree with, instead of blowing it out of proportion making obviously false claims of it's impact.

Title: Re: gun insurance
Post by zevenenergie on 04/22/24 at 03:12:43

Ok that's a cultural difference.
In our country you only have to fart and you can no longer be insured. Except for car insurance because you are required to be insured for that. But if, for example, your driver's license has been revoked because you were driving too fast or something like that, you have to go to a special insurance company that is extremely expensive. Most people then sell their car.

It will then take 7 years before you can take out normal (read cheap) insurance again.

Title: Re: gun insurance
Post by WebsterMark on 04/22/24 at 05:07:19

Thank you Eegore.

CO firearm liability insurance covers losses or damages to a person, other than the policyholder, who is injured on the insured property as a result of any accidental or unintentional discharge of the firearm.

How often does that happen? Seems pretty rare.

Car accidents happen every day by the thousands, perhaps hundreds of thousands world wide. I know many people who’ve had accidents, myself included. I don’t know anyone who accidentally or unintentionally shot someone.

Seems like this is a gold mine for insurance companies.

Title: Re: gun insurance
Post by Eegore on 04/22/24 at 07:16:39

Title: Re: gun insurance
Post by MnSpring on 04/22/24 at 13:08:36

"... Seems like this is a gold mine for insurance companies ..."

Most probably not spawned by the insurance companies.
Yet they are very glad to swim with!

It IS nothing but a ANTI-GUN measure.
Coupled with, a DOUBLING of the Tax, if you buy a Gun in CO.
Coupled with, an added State, License for having a Federal FFL License.
All proposed, MANDATORY !

Gun Insurance has been around for several decades.
It was bought if you felt it was necessary.
It was NEVER. MANDATORY !!!!!

It is nothing but punishing a gun owner.
And removing guns form Citizens.

Well what does one expect,
when the offspring of old hippies are elected.

Title: Re: gun insurance
Post by thumperclone on 04/22/24 at 13:49:33

car liability insurance takes your car away?

Title: Re: gun insurance
Post by MnSpring on 04/22/24 at 14:55:51

233F223A273225343B383932570 wrote:

car liability insurance takes your car away?

Which amendment is that,
which gives YOU
the constitutional RIGHT
to have a car ?

Title: Re: gun insurance
Post by Eegore on 04/22/24 at 18:53:41

Which amendment is that,
which gives YOU
the constitutional RIGHT
to have a car ?

Does gun insurance take your Constitutionally protected gun ownership away?

Not Red Laws, not other things besides gun insurance. Just gun insurance.

Title: Re: gun insurance
Post by zevenenergie on 04/23/24 at 00:15:35

Just a little intermetzo to catch our breath in this gun discussion.

https://imgur.com/gallery/7ObfxcH

Title: Re: gun insurance
Post by MnSpring on 04/23/24 at 06:46:14

1A3A38302D3A5F0 wrote:

"Does gun insurance take your Constitutionally protected gun ownership away.

Yes.

One buys a gun.
They scrimp and save.
Finally they have enough, then they buy it.
It sits in the house for 5/10/20 + years.
It costs NOTHING MORE.

Until the MANDATORY INSURANCE comes along.

(Not everybody has gobs of money)

So they have to sell it. (Same Thing as taking it away)

Buying a gun.
NOW save up even MORE, because twice the Sales Tax, AND, another State license if one has a certain Federal License, (cost undermentioned yet) As listed in the CO web descriptions/sites info.

The Higher tax for the ONE thing, the EXTRA license, for that ONE thing, the MANDATORY insurance.

Are are meant to do one thing.
REMOVE GUNS.
Either by making them unaffordable to own.
Or making them unaffordable to buy.

Title: Re: gun insurance
Post by Eegore on 04/23/24 at 20:44:03

I'd say this aligns more with Webstermark's assessment that taxation/cost will be a more viable strategy.

Title: Re: gun insurance
Post by zevenenergie on 04/24/24 at 05:34:30

OK, now that we have agreed that protecting your family is going to be much more expensive, it might be a good idea to insure what you hold dear, rather than having expensive weapons at home.

But definitely your TV. Because there are not that many people who want to harm your family, but everyone wants TV. It is therefore better to insure your sofa as well.
Maybe also your front door and the painting of your door frames.

If there are no more guns and no more gun discussion, what are we going to do with our time?
We will take an extra job as a painter. Or are we going to have fun and see what kind of sofa the neighbors have?

Aren't we plunging ourselves straight into a medieval situation with this insurance issue?

Edit:

And now that I think about it, wouldn't we do better to tax gunshot wounds? I mean you have done it yourself if you have damaged your neighbors TV, sofa, or door frames.

Title: Re: gun insurance
Post by zevenenergie on 04/24/24 at 07:09:29

Originally guns were meant to protect you against a crazy government. And since in November, according to many, the entire government goes off rails, we better keep our weapons. Or do we?

life has become so complicated lately :-/
We can,t be trusted.

Title: Re: gun insurance
Post by MnSpring on 05/02/24 at 08:52:58

(Comments/opinions from Web sights)

“… We know of the Hamas videos on that platform [TikTok] – 96.5% of them support the terrorist group…”
“…In 2020, an intelligence unit of the People’s Liberation Army went to the now closed Houston consulate.
They used big data to identify Americans likely to participate in Antifa and Black Lives Matter protests,
and then they sent them tailor-made videos on TikTok on how to riot…”
“…the shift may reflect the influence of the Black Lives Matter movement on some young people’s thinking. Some activists have drawn parallels between the treatment of people of color in the U.S. and the treatment of Palestinians in the West Bank and Gaza….”

Here is just ONE, result of the, DUMB ING DOWN EDUCATION.
The MAJORITY of US Citizens under the age of 30-35, if asked what is the HISTORY of that area, will NOT KNOW !

“…Older generations watched Israel fight for independence and then fight Egypt, Syria and other countries in the wars of 1967 and 1973. That’s very different from younger generations who see that Israel has always been a nuclear power, that Israel has always been more powerful than its adversaries, …”
“…Activists on both sides of the debate said the role of social media is too big to ignore,…”

This one just, ‘WOW” !

“…reporters from mainstream media outlets had their access restricted by Columbia, so student journalists used their unique positions as members of the community to report on the event….”
“… across the U.S., journalists at national and local outlets have also said they’ve been turned away from some campuses if they didn’t have college IDs. …”

It is very Clear, a new law needs to be activated.
Some of the things should be.

(‘If you protest something, you must get a permit, (which there is a cost for).
The permit will outline when, where, how long, how many and who the people are, and what you can protest.
If damage occurres to a place,
building, person, and any debris is deposited/left.
All the people participating in that Protest are responsible, for all the damages.)