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Illinois Bill Would Require Gun Owners to Buy $1M in Liability Insurance
INSURANCE JOURNAL ^ | February 18, 2009

Posted on 02/18/2009 11:05:16 AM PST by KeyLargo

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To: KeyLargo

Shouldn’t the law then also require the state to have insurance on every illegal gun? So when a criminal uses it against a law abiding citizen, you could sue the state’s insurance company? Tit for Tat.

The premium’s cost could be deducted from welfare payments, since those are the people using the illegal guns.


41 posted on 02/18/2009 11:32:28 AM PST by Auntie Dem (Hey! Hey! Ho! Ho! Terrorist lovers gotta go!)
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To: FoxInSocks
But YOU get to pay for deadbeats' medical care/insurance! You were just lucky in life's lottery. You have to pay for your house, your car, your insurance, your utilities, your food, your medicines.
Because Obama says you are.....

SUCKERS!


Bend over and grab your ankles!

42 posted on 02/18/2009 11:34:26 AM PST by buffyt (BAILOUTS ARE FOR COMMUNISTS!!!!!!!!!!!!!!!!!!!!!!)
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To: Auntie Dem

Shouldn’t the state be liable for NOT defending people who don’t own guns?


43 posted on 02/18/2009 11:35:02 AM PST by Little Ray (Do we have a Plan B?)
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To: Redbob
How long are the citizens of Illinois and Wisconsin going to put up with this kind of BS from elected officials who serve the people?

No Concealed Carry and the discrimination increases!

44 posted on 02/18/2009 11:37:15 AM PST by TYVets
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To: KeyLargo

as long as the leftist, elite, hollyweird big mouths, have to provide insurance for their first amendment rights......

when pigs fly........


45 posted on 02/18/2009 11:38:25 AM PST by machogirl (not one of Rush's top-ten gal names)
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To: WayneS

So, when a thug breaks into your house, breaks open your safe, steals your guns, and then shoots someone in a robbery with your gun, you are sued. This sounds like a slip and fall lawyer’s dream come true.


46 posted on 02/18/2009 11:39:22 AM PST by kempo
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To: KeyLargo

Do criminals have to purchase this insurance too?


47 posted on 02/18/2009 11:41:49 AM PST by SumProVita (Cogito, ergo...Sum Pro Vita. (Modified DeCartes))
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To: KeyLargo
Our representatives should have $1T insurance and open unlimited law suits.
48 posted on 02/18/2009 11:42:33 AM PST by mountainlion (concerned conservative.)
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To: KeyLargo

Gentlemen, prepare to defend yourselves !


49 posted on 02/18/2009 11:43:00 AM PST by SENTINEL (SGT USMC GWI)
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To: kempo

Yep.

The only way to avoid such a situation is to not let the burglar out of your house alive, I guess.


50 posted on 02/18/2009 11:43:17 AM PST by WayneS (Respect the 2nd Amendment; Repeal the 16th)
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To: KeyLargo

51 posted on 02/18/2009 11:44:24 AM PST by TonyInOhio ("Everyone wants to save the world; no one wants to help Mom with the dishes." PJ O'Rourke)
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To: SumProVita
Do criminals have to purchase this insurance too?

Probably in fine print it says:

Only honest peasants pay.

52 posted on 02/18/2009 11:44:26 AM PST by TYVets
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To: MrB

And you, MrB, are VERY cynical. You are also 100% correct!


53 posted on 02/18/2009 11:44:49 AM PST by WayneS (Respect the 2nd Amendment; Repeal the 16th)
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To: KeyLargo

I wonder what the annual premium would be on a $1.0 mil personal liability ins product, and what the risk measurements would be when rating an applicant.

Being a life/health/DI/LTC insurance underwriter, I could see them running a motor vehicle records check on you, as well as a Inspection report with a criminal records check. Maybe a Rx scriptcheck for medication profile (would pick up anxiety/depression/bipolar meds). May also be based off caliber and number of weapons owned. Number of years licensed. Age of individual (younger = pricier) Could get credits for classes taken and passed. Conceal carry permit could factor into it.

I’ll dig around. I’m betting for a typical 45/M low risk, handgun, 2-3x sporting rifles, shotgun, $5-700/year zone.


54 posted on 02/18/2009 11:45:14 AM PST by FreedomFerret
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To: KeyLargo

Oh, goody! A Stimulus package for the legal profession!


55 posted on 02/18/2009 11:45:32 AM PST by Right Wing Assault (What's Obama's Secret?)
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To: KeyLargo

I am in utter shock !!!

Illinois has required a stated issued ID card since 1968 to own a firearm, or purchase ammunition (http://www.isp.state.il.us/foid/firearmsfaq.cfm), which requires a purchase fee.

How is this constitutional ???


56 posted on 02/18/2009 11:46:35 AM PST by SecondAmendment (Restoring our Republic one Post at a Time)
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To: KeyLargo

Time is coming and dip sticks like this will be running for cover.


57 posted on 02/18/2009 11:46:57 AM PST by JamesA (He who hesitates is lost.)
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To: FreedomFerret

It doesn’t matter how expensive or inexpensive the insurance might be - the requirement thereof is STILL unconstitutional.


58 posted on 02/18/2009 11:48:02 AM PST by WayneS (Respect the 2nd Amendment; Repeal the 16th)
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To: SecondAmendment

Now that you mention it, how is the “state issued ID card” requirement constitutional?


59 posted on 02/18/2009 11:49:04 AM PST by WayneS (Respect the 2nd Amendment; Repeal the 16th)
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To: WayneS

My curiosity is simply a Devil’s Advocate “what if” question. I’m curious what it actually would typically cost, regardless of legality.


60 posted on 02/18/2009 11:49:59 AM PST by FreedomFerret
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