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Maryland bill would force gun owners to get $300K liability insurance to wear or carry
(foxbaltimore.com)
this post was submitted on 01 Feb 2024
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But it's not like insurance is going to help. If you buy a gun that gets used in a shooting, it's still used in a shooting. The only difference is that someone might get money, but it doesn't actually solve any problem.
What it does do is place a regressive tax on gun ownership.
Monetary compensation for harm is very common in our society. E.g. that why a person who commits sexual assault pays compensation to the victim. Didn't solve the problem, but it compensates an innocent victim. Same in a shooting.
The insurance should encourage responsible gun ownership. Insurance companies can easily adjust premiums based on training/licensing and premiums would be higher or lower depending on their risk calculation for the given type of weapon. Insurance can place extra requirements on storage and transport that might go well beyond the scope of what's allowed by law.
A cheap insurance plan would likely have more restrictions than an expensive one, plus your premiums would skyrocket after an incident, further encouraging responsible behavior
There's literally FUCKING LAWS requiring you to be responsible.
You're a fucking idiot if you think INSURANCE PREMIUMS are the solution to violence.
Like anybody who has murder in their heart will think twice because of an extra fee tacked on.
Insurance can have additional requirements beyond the law. For example my homeowner's insurance does not allow trampolines on the property. There's no law against trampolines but my homeowner's insurance made the determination that a trampoline is too big of a risk for them.
This is why I said: