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New State Bill Could Require Gun Owners to Have Liability Insurance

Two State Assemblyman argue if car owners are required to own it, so should gun owners.

Bay City News Service

State Assemblymen Phil Ting (D-San Francisco) and Jimmy Gomez (D-Los Angeles) introduced legislation Tuesday that would require gun owners to purchase liability insurance.

Assembly Bill 231 would require the owners to cover damages incurred from incidents stemming from their firearms.

"The government requires insurance as a condition of operating a car - at the very least we should impose a similar requirement for owning a firearm," Ting said in a statement.

Gomez said, under the legislation, individuals would receive a more affordable policy if they use a trigger lock for their firearms and take part in training courses.

Ting on Tuesday also introduced Assembly Bill 232, which would provide state income tax credits for people who participate in local gun buyback programs, with a cap of $1,000.

"Gun buyback programs are an effective way to reduce the number of guns in circulation, and lower the risk of intentional or accidental damage by these weapons," Ting said.

Copyright © 2013 by Bay City News, Inc. - Republication, rebroadcast or any other reuse without the express written consent of Bay City News, Inc. is prohibited.

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Michael Craig February 08, 2013 at 09:37 PM
Liberal Democrats should have to buy Liability Insurance for all the unnecessary legislation they create that cost tax payers money. Maybe we could hold them liable for all the real expenses that they cost tax payers? Where is the research that shows liability insurance will stop a madman from killing? The shooting deaths in Newtown were a horrible tragedy but please explain how the liability insurance requirement would have stopped it? If a gun owner has a burglar, murderer, rapist breaking into their home or trying to harm them-would they have to use the liability insurance to make sure the law breakers medical bills are paid?! This has been and still is a mental health care issue. If the madman had been identified earlier and received mental health care or medicine then maybe the killings would not have happened. Sane people with guns don't kill people. Please show me the list of perfectly normal sane people who have used guns to commit mass murders. There is no list. The list of mentally disturbed people who do this is long. The only factor that is the same with killers is a mentally disturbed person. Why don't Democrats who supposedly represent minority's, the elderly, and women not want to represent poor souls with mental health issues? I think because they want to be the only one with guns. Why should only politicians be able to protect themselves with guns or guards who carry guns?
Reality Check February 09, 2013 at 10:46 AM
Liability insurance doesn't prevent car crashes either, but it helps ensure there is money, paid for with insurance premiums paid by drivers, to pay for the resulting damages. Responsible, law-abiding insured motorists, therefore, as a group, pay for the damages caused by their vehicles. Makes sense for responsible, law-abiding gun owners to take the same responsibility, via insurance premiums paid, for damages caused by their guns. Simple and sensible.
Ted Jennings February 10, 2013 at 06:27 AM
Reality Check. Are you serious? Why would a responsible law abiding gun owner need to pay for insurance for their guns? I am not responsible for what some nut does with their guns. As far as your analogy concerning gun ownership and car ownership-let me ask you this again-ARE YOU SERIOUS? Most people drive their cars daily, yet how often does your average law abiding gun owner take his gun out on the street? Using your logic, all parents(and ONLY parents) in California should be held responsible for obese children and the medical bills they incur due to the poor parenting skills of their own parents. If this is your way of thinking, I can come up with at least a hundred different ways you should be happy to lighten the load in your wallet. You can bet that the Democratic super majority has already decided to start hitting you and me there. If you do not like guns-do not buy one. If you honestly think telling people they need to buy insurance is gonna work, then you deserve all of the new taxes they are about to hit us with, even if they just call them "Fees".
Claire Felong February 11, 2013 at 05:15 PM
What if the gun of a law-abiding citizen stolen from them and causes harm? What if it is accidentally left loaded and causes harm? Guns are a form of attractive nuisance; those who would misuse them, know they exist and seek them out. If they are in a drawer or locked away, they are not accessible when you most need them. If they are in a purse or on your body then they are ripe for theft and misuse. If I am accidentally shot with a gun, why should my insurance pay the associated medical and loss-of-pay? Homeowners insurance does not provide recourse unless I am injured in your home. Many talk the talk about gun safety but do not always walk the walk. Insurance rates would correspond to the type of gun and other factors. Those kept at home may already be covered under a typical homeowners policy. Greater society will always pay the costs of those who act totally irresponsibly but insurance provides a structure for some sort of financial justice.

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