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The Real Reason for 'Gun Liability Insurance' Efforts

The Real Reason for 'Gun Liability Insurance' Efforts
AP Photo/Philip Kamrass, File

People have talked for years about requiring gun owners to have some special kind of insurance, that doing so would somehow make us safer or at least...I don't know what they really think it would do, at least not legitimately. It's not like insurance is going to cover what someone does with your stolen gun.

But some still push it as a safety measure. It's not. It's something else.

Let me show you something a friend of mine posted on Facebook from his memories. This dates from at least 2021, probably earlier.

This is what it's about.

They really do want to make the insurance industry, which is much larger and more powerful than the much-vilified gun industry is, somehow turn its might on the firearm industry and grind it to dust.

Anti-gun jihadists understand that if there's no gun industry or they won't sell to private citizens, then it doesn't really matter what the gun laws on the books are. If you can't buy one because there aren't any for sale, the Second Amendment isn't technically violated.

Of course, the few places that have tried it have found out there's a small problem. Insurance companies don't have gun liability insurance. That typically falls under one's homeowner's or renter's policy, and then it only covers unintentional shootings, which are actually pretty rare.

Once a gun is stolen, insurance no longer covers any actions carried out with that gun.

If the person who bought it carries out an unlawful act, insurance won't cover it, either.

It's like your car insurance. They aren't going to cover you intentionally running over your ex, no matter how tempting it might be or how much they might deserve it. You're on the hook for that.

Yet they still hope to take a "let them fight" approach here and let the insurance industry and gun industry battle it out, all while failing to recognize that's not how anything actually works.

But the problem is that they'll learn. They'll figure out where they went wrong, and they're not afraid to use the power of the government to bend entire industries to their will. They'll want to force companies to offer a specific kind of policy that will cover these sorts of things or will otherwise try to pressure the insurance companies to take a harder stance.

That's down the road, though. First, they need the mandates. They need to convince people that we need these insurance mandates to make our society safer. Then they can play their games with the rest.

But I'd imagine that after Obamacare, most people are more than a little concerned over any kind of insurance mandate. Not enough have learned their lesson, though. That's why it's still happening in some places.

And it will likely soon come to a state near you if it hasn't already.

Just remember what the endgame really is. They don't want anything but to take away your rights, even if they have to destroy thousands of jobs to do it.

Then again, they'll destroy you if that's what it takes, and every one of us knows it.

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