When people are hurt or killed by guns, families bear enormous expenses. They may have medical bills not covered by insurance, or funeral bill, as well as lost income, as well as emotional distress. Although insurance cannot undo the tragic consequences of a gun accident or a deliberate shooting, liability insurance can provide financial assistance that victims might not otherwise receive. Moreover, mandatory insurance policies create an incentive for gun owners to keep weapons safely locked away, to train in their use, and to be responsible.
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