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Gun insurance

rainey

One reality of the Uvalde, Texas, massacre is that none of us can truly fully feel the personal impact that only the surviving children do.

None of us who’ve never tried to hide from a homicidal gunman or wiped the blood on our face from a dead child lying next to us while playing dead can have the visceral reaction of 10 and 11-year-olds who lived the horror.

It’s just not possible!

In these days following the Uvalde killings, millions of words are being used to ask why it happened, what really happened, who really did what or who did nothing. Who’s to blame. There are some folks who want to arm teachers which, if there ever was a worse idea, I haven’t heard it. Others want to ban certain types of guns, change the age limit of who can buy one (or a dozen), limit the types of weapons they can get and on and on.

No one idea or group can banish the horrors. No legislation will keep some angry, mentally disassociated individual from being a home-grown terrorist. Keeping a loaded .38 in the teacher’s desk can’t. We’ve found out the hard way gun-carrying cops in schools aren’t always effective. Armed guards in schools won’t do it apparently.

We’re facing an intractable societal issue, the solution to which will require work on many levels from many sources. No one has the answer. If there is one eventually, it will be an amalgam of many ideas coming from many concerted efforts.

I’ve heard one possibility, used in passing that I think deserves more attention and possibly pursued: create a requirement for liability insurance for gun ownership.

For the record, I’m a gun owner. We have three in the house. Two pistols and a 12-gage. So, talk of having to have a small liability policy in force is coming from a gun owner. I’m one of ‘em.

The reason I think it’s worth pursuing is that it brings into play the involvement of both society and corporate interests.

Consider: we buy – under penalty of law – liability insurance if we own a car or other vehicle that uses our highways. (In Arizona, you had to buy liability insurance to own a golf cart used on community roads.) We have liability clauses in our home insurance. We have corporate liability insurance. Business owners cover themselves and their employees. It’s a common requirement encompassing nearly all of society.

Require such insurance when a weapon is purchased. Add a few bucks to the cost. Require annual renewal or some entity would be notified to follow up. By law.

I know it sounds stringent and likely smells of gun control to some. But, it’s not. It simply places a responsibility where it belongs: on the user. Just as we commonly do with vehicles on our highways. And with our homes. A responsibility of ownership with a duty to protect others if something goes wrong.

And, there’s this. It brings the insurance industry into the efforts to get a handle on the irresponsible use of guns. Billion dollar corporations. Thousands of agents and corporate leaders. People who now sit on the sidelines would have to get involved. Their sudden participation would have quite an impact.

Requiring liability insurance for guns is not a complete answer to our epidemic of violence against society. There isn’t one. But, it’s a single one that’s a first step on the long journey to finding that answer.

Sure. Some people will bitch and moan. There’ll be an outcry from folks who think having to buy liability insurance is akin to gun control or “un-American.” That’s fine. Just let ‘em hollar.

Bottom line: If you don’t like this idea, come up with your own. Suggest something better – something positive – something helpful to end the terrible violence against the innocent. In churches, theaters, schools, stores, on our streets. Everywhere.

It’s got to stop! We must find answers. We must. Because we could find ourselves like those kids in Uvalde. Hiding. On the floor. Covered in blood. Scared to death.
 

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