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Buying a Gun? States Consider Insurance Rule
The New York Times ^ | Feb 21, 2013 | MICHAEL COOPER and MARY WILLIAMS WALSH

Posted on 02/22/2013 9:32:34 AM PST by EXCH54FE

Lawmakers in at least half a dozen states, including California, Connecticut, Maryland, Massachusetts, New York and Pennsylvania, have proposed legislation this year that would require gun owners to buy liability insurance — much as car owners are required to buy auto insurance. Doing so would give a financial incentive for safe behavior, they hope, as people with less dangerous weapons or safety locks could qualify for lower rates.

“I believe that if we get the private sector and insurance companies involved in gun safety, we can help prevent a number of gun tragedies every year,” said David P. Linsky, a Democratic state representative in Massachusetts who wants to require gun owners to buy insurance. He believes it will encourage more responsible behavior and therefore reduce accidental shootings. “Insurance companies are very good at evaluating risk factors and setting their premiums appropriately,” he added.

Groups representing gun owners oppose efforts to make insurance mandatory, arguing that law-abiding people should not be forced to buy insurance to exercise their constitutional right to bear arms. But some groups, including the National Rifle Association, endorse voluntary liability policies for their members. And as several states pass laws making it easier for people to carry concealed weapons and use them for self-defense, some gun groups are now selling policies to cover some of the legal costs stemming from self-defense shootings.

(Excerpt) Read more at nytimes.com ...


TOPICS: News/Current Events
KEYWORDS: banglist; guncontrol; secondamendment
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Premiums for such insurance range from around $200 to $300 per year; in general, the coverage is narrowly written and excludes cases where a gun is used to commit a crime.
1 posted on 02/22/2013 9:32:38 AM PST by EXCH54FE
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To: EXCH54FE

driving is a priveledge, owning a gun in a right.

You can’t tax guns, anymore than you can take speech, it’s unconstitutional.


2 posted on 02/22/2013 9:35:55 AM PST by TexasFreeper2009 (Obama lied .. the economy died.)
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To: EXCH54FE
I believe that if we get the private sector and insurance companies involved in gun safety, we can help prevent a number of gun tragedies every year,” said David P. Linsky, a Democratic state representative

As with ALL things democRAT, no facts, just feeeeeeeeeeeeeeeeeeeeelings.

GFY!

3 posted on 02/22/2013 9:36:09 AM PST by Puppage (You may disagree with what I have to say, but I shall defend to your death my right to say it)
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To: EXCH54FE

I see a good business opportunity the rats are handing the NRA.


4 posted on 02/22/2013 9:36:23 AM PST by TurboZamboni (Looting the future to bribe the present)
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To: TexasFreeper2009

I meant “tax speech”

grr..... if only FR would add an edit feature.


5 posted on 02/22/2013 9:37:13 AM PST by TexasFreeper2009 (Obama lied .. the economy died.)
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To: EXCH54FE

No matter how hard you try, you can’t fix stupid!!


6 posted on 02/22/2013 9:38:23 AM PST by Doc Hunter
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To: EXCH54FE

A list of who owns what firearms in insurance company records will be soon in government hands.

Something really radical is planned that requires disarming the majority of the population.

obama promised to “transform’ the U.S.; I think Zimbabwe is his model.


7 posted on 02/22/2013 9:39:41 AM PST by hoosierham (Freedom isn't free)
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To: EXCH54FE
Sounds like a great way to build a back-door gun registry.

Click the Gadsden flag for pro-gun resources!

8 posted on 02/22/2013 9:41:25 AM PST by Joe Brower (The "American People" are no longer capable of self-governance.)
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To: TexasFreeper2009

“You can’t tax guns, anymore than you can tax speech, it’s unconstitutional.”

Constitution? What is this constitution you speak of? Obama, the Obama media and the Democrats find the constitution to be fatally flawed, and simply an impediment to “progress”. And fortunately for them, the GOP is filled with bed wetters who would rather cower than to oppose the Obama cabal’s illegal activities.

Democrats will do as they wish.


9 posted on 02/22/2013 9:41:31 AM PST by brownsfan (Behold, the power of government cheese.)
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To: Puppage

I think if you are a democrat you should pay for liability insurance for that reason alone. Having such political allegiance results in great damage to yourself and to the community at large. I am sure that this can be proven statistically if I had the time to do so.


10 posted on 02/22/2013 9:42:14 AM PST by 3Fingas (Sons and Daughters of Freedom, Committee of Correspondence)
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To: hoosierham

Most of my items are third party buys or trades. Good luck on proving I have any.


11 posted on 02/22/2013 9:42:47 AM PST by Resolute Conservative
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To: EXCH54FE
Hmmmmmm.

No mention that this would be defacto registration.

Do they suppose nobody will notice?

12 posted on 02/22/2013 9:43:35 AM PST by diogenes ghost
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To: TurboZamboni

Americans already have to spend too much of their income on insurance and you think more is good?

Look at all the activities that can no longer be enjoyed due to liability because of feal lawyers.

And how are people unable to meet obamacare mandates going to afford gun insurance ?

This is aimed solely at discouraging firearms ownership, and should be stopped.


13 posted on 02/22/2013 9:43:49 AM PST by hoosierham (Freedom isn't free)
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To: EXCH54FE

Let’s tax homosexuals...they COST more than most in the medical system


14 posted on 02/22/2013 9:45:04 AM PST by goodnesswins (R.I.P. Doherty, Smith, Stevens, Woods.)
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To: EXCH54FE

So how are they going to make crooks buy “firearm insurance,” eh?
And, if they won’t buy, what is the point?


15 posted on 02/22/2013 9:46:36 AM PST by Little Ray (Waiting for the return of the Gods of the Copybook Headings.)
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To: hoosierham

I never said it was good.

Just saying that the NRA could take lemons and make lemonade. (sort of like they do with theft insurance on firearms when you become a member.)


16 posted on 02/22/2013 9:48:16 AM PST by TurboZamboni (Looting the future to bribe the present)
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To: EXCH54FE
Lawmakers are going to start needing insurance, if you get my drift.
17 posted on 02/22/2013 9:48:57 AM PST by E. Pluribus Unum ("Somebody has to be courageous enough to stand up to the bullies." --Dr. Ben Carson)
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To: EXCH54FE

Yes I’m sure that all the violent ghetto thugs will run out and purchase a policy before they rob the next 7/11. :-)


18 posted on 02/22/2013 9:49:58 AM PST by Georgia Girl 2 (The only purpose of a pistol is to fight your way back to the rifle you should never have dropped.)
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To: EXCH54FE

Drawing parallels with owning guns and owning cars is just stupid. Drivers will be mighty upset at all the new laws, regulations, and fees they would now have to deal with.


19 posted on 02/22/2013 9:51:51 AM PST by jughandle
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To: EXCH54FE

This could be very costly to folks who have a large number of guns that were not lost in boating accidents. This could be really bad for me.


20 posted on 02/22/2013 9:55:15 AM PST by umgud
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