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LA: Louisiana shooting for mandatory gun insurance?
Submitted by: Mark A. Taff
Website: http://www.marktaff.com

There are 2 comments on this story
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Based on my experience as a former Louisiana insurance commissioner, I can also tell readers that the cost of such proposed gun liability insurance would not come cheap. New York is presently considering in their legislature a proposal to require every gun owner to have a minimum of $1 million in liability coverage.

I have not sat down with insurance actuaries to figure out specifically what the premium would be, but I would estimate that a gun owner is looking at a minimum of $2,000 a year to pay for such insurance. The insurance premium could be significantly more for someone living in the inner city. Such a cost would price the ownership of a gun outside the reach of the average citizen.

Comment by: PHORTO (11/3/2017)

What is never asked in connection to all these schemes is, "Does the government have the constitutionally delegated power to do this?"

That is the FIRST question to be asked and answered, not whether or not such proposals are "good ideas".

No idea is good if it defies constitutional prohibitions on the exercise of such power.

Comment by: jac (11/3/2017)

I can see how this will end.

Television advertisements as follows:

Did you get shot while committing a felony? Call 1-800-Shyster.

The ambulance chasing attorneys will jump on this if law abiding gun owners are forced to buy $1 mm liability insurance. Can you imagine winning a case against a "poor" injured felon in St. Louis or Chicago?