Liability insurance is not an answer

[rjsquirrel]

16. Absurd

You will note that your car insurance and homeowners insurance both cover medical bills caused by your liabilities. In such circumstances a person's individual medical insurance is not obligated to pay your liability.

Or are you saying liability insurance on a car is not necessary since everyone has great medical coverage?


This is a stupid thread. Special pleading won't make you right. Your liability extends far beyond medical care if you shoot someone accidentally or someone gets hurt with your gun because you didn't secure it properly. You could be out for lost income, property damage, and pain and suffering to the tune of millions. You are the one reducing it to "medical" expenses.

Look at your car insurance. It requires you to take reasonable precautions to limit the liability risk of your car. It is the answer to a lot of problems with careless and stupid gun owners.

Your car insurance requires you to get your car inspected and registered every year (or two depending on state). It gives you discounts for auto theft prevention technology or parking in a garage. It covers far more than medical liability. But if you drive drunk or loan your car to an unlicensed driver IT DOESN'T PAY and you are on the hook for the millions it will cost if you kill someone's kids with your stupidity.

Why should I, as a medical insurance customer, have to pay more to cover your gun liability, socialized to the general population, if you won't lock your gun up or you loan it to your depressed friend? I don't have to carry your car insurance risk, you pay a premium based on your actual liability risk.

This OP and the gun nut defensiveness in some replies reveal zero understanding of how insurance works, or why it works so well for cars (inarguably it is the inshrance industry -- not the govt. -- which has so drastically driven down accident deaths in recent years by incentivizing or requiring safer cars and driving).

Done arguing with people who deny facts that don't suit their ideology. But to repeat I am a gun-owning hunter, and I carry liability insurance in part to cover my risks therefrom.