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 Advocates push idea of requiring gun insurance

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PostSubject: Advocates push idea of requiring gun insurance   Fri Jan 18, 2013 3:55 pm

Advocates push idea of requiring gun insurance

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Associated Press
Posted on January 18, 2013 at 3:34 PM
Updated today at 3:34 PM
BOSTON (AP) — As lawmakers cast around for ways to curb gun-related violence, some are hoping the insurance market might offer incentives.
A bill filed Friday in Massachusetts would require gun owners to purchase liability insurance in the event that a firearm is used to injure.
The insurance policies would give those injured by a weapon a legal recourse, backers of the bill say, but they also would create financial incentives that could reduce accidents and fatalities. Gun owners, for example, might see lower insurance rates if they agreed to take firearms training courses and properly stored their weapons.
"Insurance companies were able to discourage smoking through the marketplace and make cars safer through the marketplace," said state Rep. David Linsky, the bill's sponsor.
And insurers have more leeway than law enforcement in some cases, he said.
Massachusetts already has gun storage laws, but police cannot come into a person's home without a warrant, Linsky pointed out. An insurance company, however, would be able to verify that there is proper gun storage before writing a policy.
Officials at the National Conference of State Legislatures say to their knowledge no state has adopted a gun insurance requirement.
The idea is already meeting with resistance for gun rights advocates, who say it amounts to more regulation aimed at law-abiding gun-owners.
"Now we're going to have insurance companies telling us how we are supposed to be trained and where we are going to store our guns?" said Jim Wallace, executive director of the Gun Owners Action League in Massachusetts.
Craig Baenziger, who works at a gun- and ammunition-seller in North Attleboro, Mass., called Northeast Trading Co., said requiring liability insurance for guns makes little sense because it targets people who buy the weapons legally instead of going after criminals who illegally possess them.
"Insurance on your gun isn't really going to decrease crime or accidents. Nobody shoots their friend on purpose. It's not going to do anything," Baenziger said. "It's just a way to increase revenue for the state."
But supporters say requiring liability insurance could cut down on accidents, because gun owners who store their weapons safely would pay less for their insurance. It could also curb the flow of illegal guns because insurance policies would reward owners who secure weapons against theft.
Other recent gun control proposals being pushed in the wake of the shootings at the Sandy Hook Elementary School in Newtown, Conn., have focused more directly on banning the sale or possession of certain weapons.
President Barack Obama is pushing a series of steps including requiring background checks on all gun sales, reinstating the ban on guns classified as assault weapons and renewing a 10-round limit on the size of ammunition magazines.
Massachusetts Gov. Deval Patrick has also proposed a series of tougher gun control measures, including limiting gun owners to purchasing no more than one gun a month and tightening access to certain types of ammunition.
Obama, Patrick and others have also said more attention needs to be paid to the role mental illness plays in gun violence.
Supporters of gun insurance say their proposal would simply require gun owner be insured and then let the market work out the details. They compare their idea to the requirement in some states that a car-owner buy insurance before being allowed to register a vehicle.
"You don't have to own a gun," Linsky said. "You don't have to drive a car."
Under the bill proposed in Massachusetts, there would be specific penalties for anyone found in possession of a gun without insurance. The fines would range from $500 to $5,000 or up to a year in jail.
Linsky said he purposely left vague the details about what level of insurance would be required or whether existing homeowner's insurance policies that cover guns in the home would suffice.
The proposal is catching the attention of gun control activists, including Boston Mayor Thomas Menino, co-chairman of the group Mayors Against Illegal Guns.
"It's a very creative idea," Menino said. "(He's) trying to put some teeth into what we are doing."
U.S. Sen. Elizabeth Warren, also called the proposal creative.
"It's time that we think about alternative ways that we can effectively deal with gun violence," the Massachusetts Democrat said. "We need better research. We need better understanding. We need to try different approaches to protect our children."
___
Associated Press writer Jay Lindsay contributed to this report.

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PostSubject: Re: Advocates push idea of requiring gun insurance   Fri Jan 18, 2013 4:00 pm

Quote :
Craig Baenziger, who works at a gun- and ammunition-seller in North Attleboro, Mass., called Northeast Trading Co., said requiring liability insurance for guns makes little sense because it targets people who buy the weapons legally instead of going after criminals who illegally possess them.

Let me see if I can figure this out!!! Let's place some more restrictions on the law abiding citizens of this country - oh, I meant the subjects of Little Hitler - so we can regulate and control more of the personal lives of the subjects with more and more taxes and government requirements that generate more control and revenue for the state and government!! oh yeah, I got it figured out all right!!! JMHO!!

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PostSubject: Re: Advocates push idea of requiring gun insurance   Sat Jan 19, 2013 4:54 pm

You just said it all. More regulations and restrictions on top of regulations and restrictions. I think the government should stay out of our f***ing business!!!!
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PostSubject: Re: Advocates push idea of requiring gun insurance   Sat Jan 19, 2013 8:02 pm

It is way past time for them to cut back the government and cut back their funding! No money and they cannot function!!! Take away their printing presses and stop raiding our wallets and they will become extinct!!! JMHO!!

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PostSubject: Re: Advocates push idea of requiring gun insurance   Sun Jan 27, 2013 4:50 am

THE only way this can succeed is if all concerned refuse to pay their taxes. I believe a nation wide refusal is good to get the ball rolling. The problem here is too many fear the IRS.
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PostSubject: Re: Advocates push idea of requiring gun insurance   Sun Jan 27, 2013 6:43 am

I love the IRS! We do more and more business with folks that get into trouble with IRS and then we work to get rid of that debt!!! One way or another!!!

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PostSubject: Re: Advocates push idea of requiring gun insurance   Sat Feb 02, 2013 3:51 pm

I'm glad you do, As long as they stay away, I like them too. GGG
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PostSubject: Re: Advocates push idea of requiring gun insurance   Sun Feb 03, 2013 7:31 am

Generally speaking they are not your friend!!! Only reason I like them is that they continue to generate business for us and that is a good thing! most folks however do not like them and I understand that!!!

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PostSubject: Re: Advocates push idea of requiring gun insurance   Sun Feb 03, 2013 10:28 am

Yes they do generate a lot of business in a negative manner.
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PostSubject: Re: Advocates push idea of requiring gun insurance   Mon Feb 04, 2013 5:16 am

You are right but they are not always right in the way they handle their own business nor the way they apply their own tax laws! They like many other gov employees are not always correct!!! They are generally arrogant, self serving and jerks! The worse they are the harder we work to make them wrong and get folks straightened up with them!!

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PostSubject: Re: Advocates push idea of requiring gun insurance   Sat Feb 09, 2013 3:58 pm

Great way to run a government department.
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PostSubject: Re: Advocates push idea of requiring gun insurance   Sat Feb 09, 2013 6:26 pm

Only in the old US of A!!! JMHO!!

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EXPERIENCE IS WHAT YOU GET WHEN YOU DON'T GET WHAT YOU WANTED!

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