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JL's avatar
Jul 24Edited

Candidly, insurance cannot or will not prevent undesirable behaviors, only mitigate any financial impact resulting from those behaviors.

Firearms insurance won't address a home situation where the firearm and ammunition are not stored separately and securely such that a run-of-the-mill shooter or toddler can access them. Clearly the owner behaves in a less than responsible manner.

Auto insurance doesn't prevent a driver's behavior of looking at their phone while driving and clocking the car in front of them or the pedestrian crossing the street. And being honest, too many drive without auto insurance, or in my jurisdiction, the appropriate tag indicating proper registration.

If the conversation leads to highly restrictive firearms control in the general population, I submit those advocates need to do a deep dive into events in Northern Ireland from the 1960's to 1998. The highly motivated IRA were able to secure weaponry to fuel their terror campaign despite highly restrictive law intended to prevent such.

My point is that the one highly motivated to commit mayhem will find the means to do so.

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Sko Hayes's avatar

Insurance isn't meant to deter or prevent. Only to make sure the victims receive compensation for their injuries or losses.

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