NY state bill to require $1M liability insurance for gun owners

[Jeeper]

Dan, carrying concealed or open in public used to be a RIGHT. It got changed into a privilege by greedy power hungry national and state and local governments as it was seen as a new 'cash cow' to milk for all it's worth. My constitutionally protected Natural Right to self defense is NOT subject to governmental interference, or 'taxation by other means'. That the country has acquiesced their Natural Rights to the governments, both state and national, for a supposed benign gift from those governments for some nebulous promise or safety and security is an abomination.

I love my country, HATE the government now in power and others past, and am less than charitable to any attempt to further take what is mine by my Natural Right to exist, be free, and protect myself by any means available, and without any 'Mother May I' piece of crap paper or tax or other impediment to my exercising freely my Natural God given rights. And if that sounds radical, when the Constitution was written, it was a GIVEN!

The governments will suck dry your sustenance in the name of safety and security, and usurp all rights that they have no place meddling in as long as the people meekly acquiesce to these abhorrent usurpations of their rights.

AMEN!! It is all about the MONEY. Back before Fl enacted no fault insurance I was paying $310 per year. Within three years it was over $900.

Our Government is sucking us DRY.

Luis

[terminator012]

But there's no sense in us arguing amongst ourselves.

Amen.

[Uncle Fester]

I am in the liability insurance business. There is zero chance that I would write a $1m limit for a homeowner/renter living in NYC. With local juries, a mandatory limit means we write a $1m check every time there is a shooting.

Insurance works when there is high frequency/low severity or low frequency/high severity. If NYC juries react like I think they would, I get high severity/high frequency. Plus, the costs of litigating in NYC is enormous ($400 hr and up is common).

I suspect most carriers will say no thanks.

[snake284]

What a load of bull squeeze! $1600-2000/year for liability insurance to exercise a Constitutional right. And California has introduced a similar bill in that state. When will the people pull their heads out of their alimentary canal terminus and exercise their RIGHT to put these ignoramuses proposing this filth in the unemployment line?

http://www.examiner.com/article/ny-s...-gun-ownership

A bill was introduced in the State Assembly by Felix Ortiz (D-Brooklyn) that would require citizens of New York to acquire liability insurance as a condition to gun ownership.

Bill S2353 will require all gun owners in NY to obtain and "continuously maintain" insurance coverage of at least $1 million, or they will suffer "immediate revocation of such owner's registration, license and any other privilege to own" a firearm.

If the citizen fails to obtain the insurance, then by simply owning the firearm, they will be in violation of the law.

This bill was introduced by Assemblyman Ortiz as an amendment to the current NY State Insurance Law.

Specifically, the bill's provisions include:

"Any person in this state who shall own a firearm shall, prior to such ownership, obtain and continuously maintain a policy of liability insurance in an amount not less than one million dollars specifically covering any damages resulting from any negligent or willful acts involving the use of such firearm while it is owned by such person".


Bill would force gun owners to buy liability insurance .

For anyone who already owns a gun at the time the bill becomes law, that person has 30 days to buy the insurance.

If the gun is lost or stolen, it must be reported to the police. If a crime is committed by the gun before its loss or theft is reported to the police, the previous owner is liable.

The bill does not specifically state that the gun will be confiscated or that the gun owner must surrender the gun, but will lose their legal "privilege" to own a gun.

It is estimated that simple liability insurance for $1 million in coverage for gun owners would cost between $1600-2000 annually. That additional financial burden to own a gun will be prohibitively expensive for many NY State citizens. Gun ownership will no longer be an option with the additional cost from obtaining liability insurance.

The law would take effect 19 days after being signed by the governor, and the state will be empowered to write any additional regulations as necessary to enforce the law.

Bill S2353 in New York is similar to a bill introduced in California, Maryland and Massachusetts that also requires all gun owners to obtain liability insurance. To date, none of these bills have become law.

I think it's great! I know at least one hunter (Not on this forum btw) who voted for the Big O (That stands for Zero btw). If they vote for crap like that, then they deserve it. Sorry for any on here that may be from NY and didn't vote for the Dummycraps, but maybe those that did will have something to think about now.

[snake284]

It is worse thin that, the idea behind the liability insurance plan is to make gun owners financially responsible for any misdeeds with their guns.

Example: someone breaks into your home, steals your gun, commits a violent crime, they find the gun registered to you.

The plaintiffs attys will bring suit against you in Antigun counties like the Bronx and win large verdicts claiming you were negligent.

Quickly, insurance will not be available at any price.

Uncle Fester, I differ in my opinion. I believe their main purpose is to try to make more people quit hunting. And I don't think a majority of these people are really Animal Rights whackos. They a lot of them use animal rights as an excuse to stop hunting and their thinking is that if most people don't hunt, then they won't choose to own guns. Gun control I believe is the majority motive.

[Vic's Viewpoint]

I suspect most carriers will say no thanks.

OK, then what happens? Does the law still stand if Big Insurance collectively declines to write insurance? Will one or two companies
monopolize the market and charge cartel-like premium prices? Will the Supreme Court step in?

I suspect that the "nerve" to submit such legislation comes from the recent Supreme Court decision saying that the gov't has the right to demand that people buy health insurance or pay a stiff fine if they don't. Presumably if the gov't has the constitutional (?) right to force you to buy health insurance, then by extension they also have the right to force you to buy liability insurance for gun ownership. This would fall under the "reasonable, common sense gun laws" umbrella that the Fed is trying to enact across the board. I hope it doesn't come to pass.

[Uncle Fester]

OK, then what happens? Does the law still stand if Big Insurance collectively declines to write insurance? Will one or two companies
monopolize the market and charge cartel-like premium prices? Will the Supreme Court step in?

I suspect that the "nerve" to submit such legislation comes from the recent Supreme Court decision saying that the gov't has the right to demand that people buy health insurance or pay a stiff fine if they don't. Presumably if the gov't has the constitutional (?) right to force you to buy health insurance, then by extension they also have the right to force you to buy liability insurance for gun ownership. This would fall under the "reasonable, common sense gun laws" umbrella that the Fed is trying to enact across the board. I hope it doesn't come to pass.

They are trying to make gun ownership rare by making it hard to get them, expensive to shoot the, and very expensive to own one. Once we understand that, we can fight them in the courts and at the ballot box.