Mandatory Gun Insurance

Susie Madrak makes a modest proposal–mandatory gun insurance.

I had the same idea about a month ago. I was thinking about the people I have encountered who are disabled by gun wounds. Most are not able to work, and need lifelong support.

If the injury had been a car accident, someone would have been considered at fault. All car owners, even perfect drivers, have to pay for the collective cost of car accidents. Gun owners, whether they are responsible or not, leave the burden to the rest of us.

So here’s Susie’s proposal…

If they have risk factors (like teenagers in the house), their rates go up. If one of their kids sneaks a gun out of the house and gets caught, or uses it to commit a crime, the insurance gets canceled for some meaningful period of time — say, 10 years.

And if someone steals your gun and you don’t report it in a 24-hour window of you finding out, your insurance is suspended for a long time.

If you have a rifle and it’s only used for hunting, low rates. If you have a Glock and you carry it in an open-carry town or state, your rates will be very high — because odds are so much higher that innocent bystanders may get caught in a shootout.

The more training and safety classes you take, the cheaper the premium.

I think there should be scrutiny of gun owners who let their guns get stolen. If they are negligent and careless they should be held responsible. Like years ago there was an ad campaign against leaving your keys in the car– ‘don’t make a good boy go bad’. We can dust off that slogan and apply it to people who leave guns in their car.

Mandatory car insurance was not popular among the uninsured, but we got used to it. Drunk driving used to be a joke, but we got tired of peeling victims out of wrecks with the jaws of life. Every freedom carries a responsibility. It’s time for sensible gun laws.

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