Thursday, February 21, 2013
Approach an old problem from a new angle
If the old approach doesn't work you really have to try a new one. And the people who want reasonable regulation of firearms are trying a new approach, taking a page from the automobile folks.
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.Granted that after you have blown holes in one of your neighbors the insurance is little more than weregild, the insurance companies will provide some pushback to the willy-nilly ownership problem we currently have.
“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, which he believes will encourage more responsible behavior and therefore reduce accidental shootings. “Insurance companies are very good at evaluating risk factors and setting their premiums appropriately.”
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.
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Most of these items are already covered by existing liability policies. That you are not aware of this show how slight the danger of you driving up to a schoolyard with your wood chipper and throwing the kids in really is.
As for the insurance companies, they have an existing bureaucracy and they always enjoy new business.
And as to "Shall not be infringed", it is as easy to understand as "well regulated militia". Why can't you accept proper regulation with your ownership?
As for the insurance companies, they have an existing bureaucracy and they always enjoy new business.
And as to "Shall not be infringed", it is as easy to understand as "well regulated militia". Why can't you accept proper regulation with your ownership?
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