Mandatory vs. Topdown Requirements for Gun Insurance

This is a quick post to remind readers that there are at least two ways to require gun owners to have insurance.

Mandatory Gun Insurance

The regulation or law could simply require every gun owner to have insurance in place on a gun.  This would be simple to mandate but it would require enforcement for every owner with all of the practical and political problems that brings.  There would be no automatic procedure to guarantee complience on transfer (legal or not) of the gun.  The probable result would be a large number of uninsured guns in circulation.

Topdown Gun Insurance

The requirement for insurance could have as part of its terms that an insurer remains responsible for injuries from a gun until responsibility is taken up by another insurer.  In that case, it would not be necessary to have enforcement measures taken for subsiquent owners.  Insurance coverage could remain in place for lost, stolen or diverted firearms greatly expanding the protection of potential injured persons.


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