Gun Control & RKBA

Eleanors38

(18,318 posts)

43. Insurance actuaries don't seem concerned or anxious about civil liability...

Thu Apr 7, 2016, 01:56 PM

Apr 2016

...outside the home, probably reflecting the comparatively low numbers, in terms of incidents and liabilities, when the (falling) rate of gun-related damages is compared with other causes of damages.

If some kind of law requiring insurance outside the home, it would be challenged immediately. The courts would of course look at the intent of the legislation along the lines of: Is that requirement for full hospital admissions for women's clinics a "health" issue, or a de facto but rather bold attempt at restricting a woman's right to choose? Courts have shown a propensity to peruse past debate and the political actors involved, esp. in light of the RKBA's constitutional status.

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Firearms insurance? [View all] Tragl1 Apr 2016 OP

I'd be fine with it - except that the rkba is a constitutional right. Requiring jonno99 Apr 2016 #1

Voting generally doesn't require a financial expenditure, but Ilsa Apr 2016 #4

A prudent person would carry liability insurance. To make insurance mandatory would be difficult. nt jonno99 Apr 2016 #5

Why would it be any more difficult than auto insurance? Ilsa Apr 2016 #7

Because - the right to own an automobile is not enshrined in the constitution. jonno99 Apr 2016 #11

Well, we don't give away guns. They have to be purchased Ilsa Apr 2016 #13

I don't disagree with you. Your argument is with the constution and legal precedent. And to jonno99 Apr 2016 #17

The 24th Amendment (1962) protects the right to vote, free of a poll tax or any other fee... Eleanors38 Apr 2016 #42

Right to travel isn't in the constitution, but it's part of the universal declaration of human MillennialDem Apr 2016 #23

Right to travel isn't in the constitution gejohnston Apr 2016 #26

Ok, it's not ENUMERATED in the constitution. So anyway. Yeah why licensing and insurance for MillennialDem Apr 2016 #29

you don't need either one to own a car gejohnston Apr 2016 #35

And so you should need a license AND insurance to operate a gun in MillennialDem Apr 2016 #36

most states do require licenses to carry concealed gejohnston Apr 2016 #37

I'm not sure how that is relevant MillennialDem Apr 2016 #38

Felons can't legally have guns Politicalboi Apr 2016 #30

Wayne LaPierre thanks you for the windfall on the insurance DonP Apr 2016 #33

Not everyone is prudent. Ilsa Apr 2016 #9

Agreed. nt jonno99 Apr 2016 #12

Homeowners/Renters Liability metroins Apr 2016 #2

What if they aren't at home or in their Ilsa Apr 2016 #3

Roughly 500 accidental deaths on average each year and falling (CDC Numbers) DonP Apr 2016 #8

So what you are saying is that I have to bear the costs Ilsa Apr 2016 #10

Not at all, just pointing out where mandatory insurance will very likely lead DonP Apr 2016 #19

Great input Tragl1 Apr 2016 #21

Here's what nearly happened that got me wondering Ilsa Apr 2016 #15

Goes way up once you include injuries, some of which are worse than death MillennialDem Apr 2016 #24

Given a choice, I'll take the injury every time. You're free to choose death. DonP Apr 2016 #32

Not if you're paralyzed. Then you can't even choose death unless you have a relative willing MillennialDem Apr 2016 #34

Liability covers you when not at home metroins Apr 2016 #16

Insurance actuaries don't seem concerned or anxious about civil liability... Eleanors38 Apr 2016 #43

What problem are you trying to solve? JustABozoOnThisBus Apr 2016 #6

Yeah TeddyR Apr 2016 #14

I guess I was thinking in the context of say a Sandy Hook? Tragl1 Apr 2016 #22

No liability insurance would cover Sandy Hook. X_Digger Apr 2016 #48

And close to 50% of accidents are due to drunk or high drivers. Doesn't mean insurance is MillennialDem Apr 2016 #25

What about free speech insurance...in case I offend someone and they take me to court? ileus Apr 2016 #18

Or if you run into someone while using a cell phone. JonathanRackham Apr 2016 #28

This message was self-deleted by its author CompanyFirstSergeant Apr 2016 #20

Can gang members get group insurance rates? JonathanRackham Apr 2016 #27

Obviously insurance isn't to protect someone from gang members. It's to protect the rare individual MillennialDem Apr 2016 #31

Why should criminals be exempt? JonathanRackham Apr 2016 #39

I didn't say they should be exempt silly bear. I just said they aren't going to buy it anyway MillennialDem Apr 2016 #40

.. JonathanRackham Apr 2016 #41

For simple ownership? Not just no... beevul Apr 2016 #44

Sigh..., not the insurance issue again. branford Apr 2016 #45

So would a top down personal no fault? Tragl1 Apr 2016 #47

When most people discuss "insurance" with respect to guns, branford Apr 2016 #49

It's an attempt to restrict ownership to those with plenty of disposable income, benEzra Apr 2016 #46