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gun insurance (Read 127 times)
thumperclone
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gun insurance
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 !
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MnSpring
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Re: gun insurance
Reply #1 - 04/20/24 at 17:24:12
 
thumperclone wrote on 04/20/24 at 07:58:01:
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, ?
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Re: gun insurance
Reply #2 - 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.

 
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Re: gun insurance
Reply #3 - 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.

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Re: gun insurance
Reply #4 - 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?
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MnSpring
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Re: gun insurance
Reply #5 - 04/21/24 at 12:06:12
 
Eegore wrote on 04/20/24 at 22:14:39:
" Probably when kids start blowing their faces off ..."  


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 ?


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Re: gun insurance
Reply #6 - 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.  

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Re: gun insurance
Reply #7 - 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.
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Re: gun insurance
Reply #8 - 04/22/24 at 00:33:32
 
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.
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Eegore
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Re: gun insurance
Reply #9 - 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.
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Re: gun insurance
Reply #10 - 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.
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Re: gun insurance
Reply #11 - 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.
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Re: gun insurance
Reply #12 - 04/22/24 at 07:16:39
 

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.



 There is a similar program in the US for drivers but the SR-22 timeframe is usually maxed at 3 years.
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MnSpring
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Re: gun insurance
Reply #13 - 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.




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Ben Franklin once said: "If you give up a freedom, for the sake of security, you will have neither".
Which is More TRUE, today, than yesterday.('06, S-40, Stock) well, mostly .
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thumperclone
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Re: gun insurance
Reply #14 - 04/22/24 at 13:49:33
 
car liability insurance takes your car away?
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