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Requiring Gun Insurance Will Increase Safety


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#16    HerNibs

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Posted 04 February 2013 - 05:38 PM

View Postfreetoroam, on 04 February 2013 - 05:28 PM, said:

Rapid-fire weapons capable of mass casualties would require higher premiums

This seems really strange. its as if they are saying its ok to carry one of these  weapons as long as you pay the premium.

Doesn't give me a distinction.

Rapid-fire doesn't tell me if they mean fully or semi automatic weapons.

Several of our weapons will fire as fast as I can pull the trigger.

Our weapons are already listed on our homeowners insurance along with any other valuables we own.

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#17    questionmark

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Posted 04 February 2013 - 05:42 PM

View PostHerNibs, on 04 February 2013 - 05:38 PM, said:

Doesn't give me a distinction.

Rapid-fire doesn't tell me if they mean fully or semi automatic weapons.

Several of our weapons will fire as fast as I can pull the trigger.

Our weapons are already listed on our homeowners insurance along with any other valuables we own.

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for the case you happen to loose them (theft, etc), but not for the case that you cause damage with the gun.

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#18    pallidin

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Posted 04 February 2013 - 05:43 PM

Sounds like the money-hungry insurance lobbyists are at it again, crying about not having a 20 million dollar mansion to live in while they rape America.


#19    freetoroam

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Posted 04 February 2013 - 05:44 PM

View PostHerNibs, on 04 February 2013 - 05:38 PM, said:

Doesn't give me a distinction.

Rapid-fire doesn't tell me if they mean fully or semi automatic weapons.

Several of our weapons will fire as fast as I can pull the trigger.

Our weapons are already listed on our homeowners insurance along with any other valuables we own.

Nibs
So would you be happy with paying for the extra premium incase you cause damage with it?

In an ideal World a law would be passed were NO guns were allowed and all those out there destroyed, trouble is the law makers are not going to take a risk of trying to pass that without making sure they are armed first.

#20    freetoroam

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Posted 04 February 2013 - 05:45 PM

So if you kill a burglar does this mean the insurance will cover the court costs?

In an ideal World a law would be passed were NO guns were allowed and all those out there destroyed, trouble is the law makers are not going to take a risk of trying to pass that without making sure they are armed first.

#21    questionmark

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Posted 04 February 2013 - 05:46 PM

View Postfreetoroam, on 04 February 2013 - 05:45 PM, said:

So if you kill a burglar does this mean the insurance will cover the court costs?

you mean if somebody shoots your ar$e, leaving you crippled, you would just shrug and say:"Second Amendment"?

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#22    HerNibs

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Posted 04 February 2013 - 05:46 PM

View Postquestionmark, on 04 February 2013 - 05:42 PM, said:

for the case you happen to loose them (theft, etc), but not for the case that you cause damage with the gun.

True.  We do carry additional insurance on our home in case some one is hurt on our property and they sue us.  I wonder if this would cover something like that...hmmmm..

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#23    ohio_traveler

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Posted 04 February 2013 - 05:50 PM

View Postfreetoroam, on 04 February 2013 - 05:45 PM, said:

So if you kill a burglar does this mean the insurance will cover the court costs?

Not if you bury him yourself in your back yard and quickly and quietly clean the blood up.  Shouldn't cost you a thing.


#24    HerNibs

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Posted 04 February 2013 - 05:52 PM

View Postfreetoroam, on 04 February 2013 - 05:44 PM, said:

So would you be happy with paying for the extra premium incase you cause damage with it?

I don't know.  I guess it would depend on the amount and the liabilities that would fall on me.  

I have an alarm system in my home that brings down the cost of my homeowners insurance.  Same with my cars.  Also, if some one takes my car and is uninsured, my insurance will cover any damage done.

So I don't see it as simply "you own a gun, you pay a bunch of money".  

IMO - lots of questions would need to be addressed.

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#25    Stellar

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Posted 04 February 2013 - 06:25 PM

I don't see this as a way to help anything. It's nothing but a money grab. If its mandated that everyone must have the insurance, and everyone is also hellbent on getting a gun, thats a perfect recipe for raising premiums to make a good chunk of coin to do what? Ease the financial burden of someone who happens to unjustifiably cause harm/damage to another?

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#26    Bama13

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Posted 04 February 2013 - 06:32 PM

View Postquestionmark, on 04 February 2013 - 05:30 PM, said:

The constitution does not guarantee you the right to cause damage with your gun. And as long as you cannot pay extreme personal damage out of your pocket what you are doing is the classic invert socialism: privatize the gains and socialize the losses. Which in my book is completely unsocial.

I can cause a lot of damage with a hammer (trust me on this one :yes: ). Should I have to insure my hammer also? How about knife insurance? Baseball bat insurance?

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#27    RavenHawk

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Posted 04 February 2013 - 06:45 PM

View PostHerNibs, on 04 February 2013 - 05:25 PM, said:

I wonder what their definition of "rapid fire" is, full automatic or semi-automatic?
Depends on how flexible one's finger is.

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#28    questionmark

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Posted 04 February 2013 - 06:49 PM

View PostBama13, on 04 February 2013 - 06:32 PM, said:

I can cause a lot of damage with a hammer (trust me on this one :yes: ). Should I have to insure my hammer also? How about knife insurance? Baseball bat insurance?

Well, now that you mention it...

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#29    Bama13

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Posted 04 February 2013 - 06:50 PM

View PostRavenHawk, on 04 February 2013 - 06:45 PM, said:

Depends on how flexible one's finger is.

Was watching a show on trick shooting the other day. One guy drew and fired 6 shots (with a revolver) in less than 2 seconds. Every shot hit the target. Very flexible trigger finger. Wonder how much his insurance should be?

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#30    HerNibs

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Posted 04 February 2013 - 06:51 PM

View PostRavenHawk, on 04 February 2013 - 06:45 PM, said:

Depends on how flexible one's finger is.

Right.  That's why I asked what their definition of "rapid fire" is.

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