Liability insurance is not an answer

[discntnt_irny_srcsm]

http://www.ibamag.com/news/house-bill-to-require-gun-owners-to-carry-liability-insurance-22717.aspx

Car insurance covers damage and injuries sustained from car ACCIDENTS. Car insurance works because most damages, deaths and injuries are accidental. Most firearm damages, deaths and injuries are deliberate. Even car insurance doesn't cover "DELIBERATES".

The Firearm Risk Protection Act, introduced by Representative Carolyn Maloney of New York, would impose a $10,000 fine if an owner is found not to have a current liability policy. Service members and law enforcement officers would be exempt from the requirement.

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According to George Mocsary of Southern Illinois University School of Law, the current model for liability insurance would neither deter gun violence nor provide adequate compensation for victims.

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Mocsary noted that under the current liability insurance model, nearly all intentional criminal actions are excluded from coverage.

Nearly 20% of gun violence victims are shot by criminals while committing a crime themselves, Mocsary said, while roughly 97% of deaths caused by firearms are the result of suicide or homicide—neither of which fall under liability policies.