CT / MA Introduce Bill to Require Liability Insurance

CT / MA Introduce Bill to Require Liability Insurance

This is a discussion on CT / MA Introduce Bill to Require Liability Insurance within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; Massachusetts, Connecticut Bills Would Require Gun Liability Insurance | Outdoor Life...

Page 1 of 2 12 LastLast
Results 1 to 15 of 18
Like Tree4Likes

Thread: CT / MA Introduce Bill to Require Liability Insurance

  1. #1
    Member Array CigarStix's Avatar
    Join Date
    Dec 2012
    Location
    Cypress, TX
    Posts
    354
    mbguy29577 likes this.
    Always Carry, Never Tell
    S&W Shield 9mm
    Ruger LCP .380
    NRA Member
    Certified NRA Instructor


  2. #2
    Senior Member Array Old Sarge's Avatar
    Join Date
    Jan 2006
    Location
    Paradise
    Posts
    642
    I'd be interested to see if it becomes available. It's something that has crossed many CCW's minds, but I don't think it's ever been offered, at least for a price that the common man can afford. But on other hand that might be what's behind the bill in first place. Maybe they are thinking "if I cannot afford the insurance, then I'll not carry". Huh??? Not in this lifetime, at least for me.

  3. #3
    Senior Member Array DocT65's Avatar
    Join Date
    May 2012
    Location
    Gulf Coast
    Posts
    596
    Interesting to ponder this. After all, the government can compel you to have liability insurance if you own a car.......
    "Better to be judged by 12 than carried by 6"

    Flight Surgeon, USAF
    Law Enforcement Tactical Surgeon

    NRA Patron Member

  4. #4
    Senior Member Array jem102's Avatar
    Join Date
    Sep 2007
    Location
    East TN
    Posts
    1,040
    Owning a car is not a constitutional right.
    Who is John Galt?

    Sometimes there's justice, sometimes there's just us...

  5. #5
    Member Array Ksthumper's Avatar
    Join Date
    Apr 2009
    Location
    Wichita, KS
    Posts
    186
    Should I start a website called: badguyguninsurance.com

  6. #6
    Member Array BelaOkmyx's Avatar
    Join Date
    Dec 2012
    Location
    CT
    Posts
    107
    Quote Originally Posted by Old Sarge View Post
    I'd be interested to see if it becomes available. It's something that has crossed many CCW's minds, but I don't think it's ever been offered, at least for a price that the common man can afford. But on other hand that might be what's behind the bill in first place. Maybe they are thinking "if I cannot afford the insurance, then I'll not carry". Huh??? Not in this lifetime, at least for me.
    I can't think of any reason it wouldn't be very cheap. We don't give CCW permits to jackasses in Connecticut- accidental shootings are usually by the police. You are many times more likely to hurt or kill someone with your car than with your gun, and your car insurance is affordable. CCW insurance should be much more so, and also send a message to the criminals that we have one less reason not to shoot if they put us in a position where we legally can. Being legally able to shoot does not protect you from a lawsuit.

    The Supreme Court has already decided that the government can make you have insurance if you have a body. All they have to do is call it a tax. A $750 per year tax on handguns if you don't have insurance.

  7. #7
    Member Array remington79's Avatar
    Join Date
    Jun 2006
    Location
    USA
    Posts
    446
    Yes but owning a firearm is a Constitutional Right. Requiring a tax on a right is no different than requiring a poll tax to vote. This would be a Jim Crow law for gun owners.
    PatAz likes this.

  8. #8
    VIP Member
    Array OldVet's Avatar
    Join Date
    Nov 2009
    Location
    Hiding inside a bottle of Jim Beam Black.
    Posts
    17,599
    Here's my thought:
    Failure to obtain or inability to afford "required" liability insurance would be cause to deny you a Constitutional right and would not stand up to a Constitutional challenge in the SCOTUS. That is part of the basis of the Heller decision. Comparing gun liability insurance to auto insurance is apples and oranges.
    MACC12 and PatAz like this.
    Retired USAF E-8. Lighten up and enjoy life because:
    Paranoia strikes deep, into your heart it will creep. It starts when you're always afraid... Buffalo Springfield - For What It's Worth

  9. #9
    Distinguished Member Array noway2's Avatar
    Join Date
    Jul 2011
    Location
    North Carolina
    Posts
    1,947
    Quote Originally Posted by remington79 View Post
    Yes but owning a firearm is a Constitutional Right. Requiring a tax on a right is no different than requiring a poll tax to vote. This would be a Jim Crow law for gun owners.
    Didn't SCOTUS say that that the Obamacare mandate to buy insurance was in effect a tax? I thought that this is why they used an alternate argument to uphold it.

    As the gun restrictions battle starts waging in the states, I begin to fear that unless the federal govt does something to level the playing field that this could lead to succession of the states.

    Edit: OldVet, no it is comparing apples and water heaters.

  10. #10
    Ex Member Array detective's Avatar
    Join Date
    Aug 2012
    Location
    buffalo NY
    Posts
    952

    Umbrella Policy

    You should have liability insurance under an umbrella policy anyway - to protect yourself from all types of liability. But not what this bill proposes, a separate policy for Carrying.

    My Umbrella policy is for 2 million and can be used for all my policies, all being homeowners and auto. Under the homeowners acts of self-defense for which you are sued are covered, under my current insurer and my last one. I changed insurers and asked both if this included shooting in self-defense off of property. Yes is the answer. It also protects against under-liability for car accidents, then also libel, slander - personal liability of all types.

    My cost is an extra $180/yr for the 2 mil. You may need to increase you auto liability before you get the Umbrella by a bit. I had to for an extra $34 a year.

    Now I have a safe-driving record so all my rates are based on that, and as well have had no claims on homeowners ins. So my Umbrella rates are based on my overall "good" rates ("Good Rates" depending on the insurance company's definition.)

    Yours might be higher for an Umbrella but everyone had told me for years this was the cheapest date in town and they were right.
    $180 for 2 million extra liability insurance!

    Check it out.

  11. #11
    VIP Member
    Array archer51's Avatar
    Join Date
    Nov 2007
    Location
    VA
    Posts
    22,363
    As Stephen Halbrook, a research fellow at the Independent Institute, told the Washington Times on Jan. 2, if gun owners are required to purchase liability insurance before exercising a fundamental individual right granted by the Second Amendment, then journalists (and virtually anyone else who expresses an opinion in public) can be required to purchase libel and defamation insurance before exercising a fundamental individual right granted by the First Amendment.
    This should be pushed as well, but we know it won't happen. Also let's make it mandatory to show proof of liability insurance before you can buy alcoholic beverages. After all, you never know when someone will break into your liquor cabinet!
    Freedom doesn't come free. It is bought and paid for by the lives and blood of our men and women in uniform.

    USAF Retired
    NRA Life Member

  12. #12
    VIP Member
    Array OldVet's Avatar
    Join Date
    Nov 2009
    Location
    Hiding inside a bottle of Jim Beam Black.
    Posts
    17,599
    Health care is not a Constitutional right, only a socialist mandate. Therefore, the "tax."
    Retired USAF E-8. Lighten up and enjoy life because:
    Paranoia strikes deep, into your heart it will creep. It starts when you're always afraid... Buffalo Springfield - For What It's Worth

  13. #13
    Distinguished Member Array VBVAGUY's Avatar
    Join Date
    Dec 2009
    Location
    Planet Earth
    Posts
    1,249
    Why have insurance for a consitutional right ??? Currently we have the freedom to worship, will they require that we have insurance for that ?? How about freedom of the media ?? Will they need insurance now too ?? How many times has the media been wrong and hurt someone with what was mistankenly printed or said, but all they do is print we apologize for an error we printed ??? The goverment / the people running our government is really getting stupid. God Bless

  14. #14
    VIP Member
    Array Hopyard's Avatar
    Join Date
    Jun 2006
    Location
    Disappeared
    Posts
    12,080
    If you own anything, expect future income, it is unwise to not carry appropriate liability insurance either
    via a homeowners or renter's policies. A mandated liability policy or rider to your existing policy really
    should not cost much if you consider that about 1/3 of households have guns in them and the individual
    risk of accident or negligently shooting someone is exceedingly small.

    I'd prefer it not be mandated. But, I think individuals would be unwise to not carry some such coverage.
    If the Union is once severed, the line of separation will grow wider and wider, and the controversies which are now debated and settled in the halls of legislation will then be tried in fields of battle and determined by the sword.
    Andrew Jackson

  15. #15
    Ex Member Array gregnsc's Avatar
    Join Date
    Jan 2013
    Location
    South Carolina
    Posts
    455
    Each to their own but i'm 53 and i never ever needed it,shouldn't have to buy it.What i have i got,is insured but so far as some liability insurance,dont want to give someone money for just in case.

Page 1 of 2 12 LastLast

Sponsored Links

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Search tags for this page

connecticut bill mandates gun liability insurance

,

massachusetts bills under discussion

,

massachusetts gun bill

Click on a term to search for related topics.