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Maryland bill would force gun owners to get $300K liability insurance to wear or carry
(foxbaltimore.com)
this post was submitted on 01 Feb 2024
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The overwhelming majority of gun deaths are sucide, organized crime also has a high share. The insurance premiums are not going to be based on whos more likely to do a mass shooting they're gonna be based on every payout they prospectivly have to make. So people who will get the highest rates will be minorities and those seeking mental health treatment. So the best way to keep your premium low would be to be white and not seek mental health treatment. That's not exactly behavior I would like financially incentivised.
I don’t know, based off the information you’re working with, we’re assuming that the gun insurers would be on the hook for life insurance claims?
That’s different than liability, which is what’s proposed here
Says right in the article what the liabilities are and injury and death are both there, so yeah the gun insurance would have to pay out if the insurees gun resulted in death of someone.