Maryland House Democrats introduced a controversial gun safety bill requiring gun owners to forfeit their ability to wear or carry without firearm liability insurance.
Introduced by Del. Terri Hill, D-Howard County, the legislation would prohibit the “wear or carry” of a gun anywhere in the state unless the individual has obtained a liability insurance policy of at least $300,000.
"A person may not wear or carry a firearm unless the person has obtained and it covered by liability insurance issued by an insurer authorized to do business in the State under the Insurance Article to cover claims for property damage, bodily injury, or death arising from an accident resulting from the person’s use or storage of a firearm or up to $300,000 for damages arising from the same incident, in addition to interest and costs,” the proposed Maryland legislation reads.
The same reason you need car insurance to drive or medical insurance?
Because even if most can afford the insurance, most can’t afford the costs when they’d need the insurance but don’t have it?
With medical insurance the money goes to paying the hospital bill. We need insurance to cover the costs. What do I get with a gun insurance? Cost for what? Free guns? If I get nothing in return, I should pay nothing.
It’s to cover things like payouts in suits against you for shooting someone or paying your legal bills (which can exceed hundreds of thousands of dollars even when it’s clearly self-defense).
Owning a gun isn’t that expensive. But should you ever have to use it for your safety, even when justified, it could bankrupt you.
That’s exactly the kind of situation where mandated insurance is a wise thing to require.