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[quote=Anonymous]I am a big fan of requiring gun owners to have insurance.
The profit driven insurance companies would do a much better job of estimating risk than our governments.

Something tells me that if Adam Lanza's mother had to buy insurance, she would have been rated to the point where she would have had to question her decision. The insurers would see that Adam was in that house and they would find out his diagnoses (just like when you buy life insurance). [i]They would not have told her that she could not have a gun[/i], but that it would be expensive. She might have said to herself that the $10,000 a year insurance bill was not worth it.

I also think that the gun owners should be able to buy discounted shares in the insurance companies so that they have every interest in reducing claims. They might be more likely to report crazies with guns. The insurance should also be regional, so that the gun owners see the impact of reducing claims in their area.

Now, people will say that illegal guns kill more people. But I say, "So what?". If we can see a 10% drop in firearm fatalities as a result of insurance, it is worth it. Besides, most of the illegal gun fatalities are gang and drug related. Those people know the risk when they get into that life. I know that there are innocent bystanders who get killed, but for the most part, illegal gun owners kill their adversaries. They want to keep a low profile, they want to move drugs around, get paid, and go home. I have yet to see a gang member or drug distributer drop into a first grade classroom and shoot 20+ kids. [/quote]

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