Ben Achtenberg has an article in the Caring for Survivors of Torture blog titled “We Already Have a Way to Cut Gun Deaths.” It makes the case for treating gun ownership with the same standards of responsibility as cars in detail and with strength. He points out our willingness to accept driving tests, licensing, training and mandatory insurance for automobiles. He shows that these are support the use and ownership of cars and that the “the insurance industry has a vested interest in developing regulations and price points that will not unduly discourage car ownership and use.” He then rhetorically asks if there any chance of that happening and answers “In the United States of today, not a snowball’s chance in hell.”
He then goes on to talk about how an insurance system would work on a conventional liability model. He discusses licensing, regulation, market price differences based on risks and insurance prices being affected by safe practices and good records. He supports insurance as a part of universal regulation.
He does not discuss the other models of insurance other than to say that one reader suggested that a surety bond for paying injured parties could replace or supplement insurance. This is a well thought out article and gives a valuable list of links for Related Reading.