Mandate Liability Insurance for Gun Ownership

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As a mom I refuse to wait any longer for congress to take action. The school shootings must stop. There are now so many guns in circulation in this country that banning or restricting guns sales is almost futile, so let’s try a different path entirely. One that stops demonizing gun owners and allows everyone to get what they want. Make it illegal to own or possess a firearm without LIABILITY INSURANCE.

We should let the actuarial tables determine how much of a risk an individual’s gun or arsenal poses to the community at large to determine fair premiums. Discounts for steps taken to secure weapons and keep them out of the hands of people (big and small) who could cause harm. Let the insurance company decide on appropriate qualifications (trust me, the necessary data exist) and monitor the mental health of their customers as well as their online personas, safety of their homes, and to impose guidelines for storage. Then allow them to deny coverage for people who do not adhere to adequate standards resulting in injury or death. 

Bottom line, if you own a gun you should keep it safe and be financially responsible for it in the event it kills someone. This is not unreasonable. We insure cars because they can be dangerous and we can figure out exactly how much a person should pay for life insurance based on factors in their life and health choices. So let’s run the numbers and create a boatload of American jobs in the new gun insurance industry and put an end to mass shootings every week. If you can afford a gun and you can keep it safely, you can afford insurance. If you can’t do those things, isn’t it fair to say you shouldn’t have a gun? 

But what about illegal weapons? Make it a separate crime with severe financial consequences to be in possession of any gun without insurance and start cracking down while offering amnesty.  Use this money to provide grants to lower income individuals who would qualify but can not afford the insurance or adequate safeguards as well as educating young people about gun safety in a meaningful way. Of course there will always be illegal gun violence and people will fall through the cracks but if we have an insurance industry to hold accountable, I believe we will see a decrease in preventable gun violence. 

I am furious that no American student is safe in school anymore and that our so called leaders sit on their hands. I demand action. No more lock down drills. No more students stuck in school after a shooting for hours only to be paraded out arms up and searched. Enough. Enough. Enough. Tell your representatives you want gun insurance now.  #insuregunsnow #momsdemandguninsurance 



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