A new bill in the New York State Senate proposes all firearm owners be required to buy and maintain an insurance policy in an amount not less than one million dollars “to cover any damages resulting from the use of such firearm” prior to obtaining a firearm. Even though no such policy exists or would ever be offered by any insurance company, even it if were, the costs would be beyond the reach of most New Yorkers – which of course, is the main purpose. It is just another attempt to prevent them from owning firearms in the first place.
Under justification, New York Senate Bill S2857A lists:
“Injury and death by gun has increasingly become a problem in U.S. and in New York State. In the wake of recent mass shooting incidents in Aurora, Colorado and Newtown, Connecticut; there has been a nationwide attention on gun control and public safety.”
Of course, the acts listed were all intentional crimes committed by those who had no intention of following the law. For someone who intends to commit mass murder, exactly how important does anyone believe it will be for them to carry the statutory level of firearm insurance? Yet all the law abiding firearm owners will be expected to.
So if there’s no chance in hell a mass murderer is going to carry insurance for his or her illegal acts, what is the real intent of this proposed law? Well, the first part of the bill reveals it rather clearly.
“Failure to maintain such insurance shall result in the immediate revocation of such owner’s registration, license and any other privilege to own such firearm.”
You probably noticed that word “privilege” in there. New York politicians, being the anti-gun/anti-Second Amendment zealots they are, consider owning a firearm a “privilege”. In other words, a restricted benefit enjoyed by a special elite class. By considering firearm ownership and use a “privilege”, the state can regulate, tax, control and ultimately eliminate it for all except the state and the chosen few.
Like all of the other licenses, permits, taxes and fees placed on the purchase and ownership of firearms and now ammunition, the purpose is two fold: First, to make owning a firearm so expensive that people will be prevented from owning them based on the cost alone. Second, to set up yet another so-called legal means of stripping firearms away from someone who does not comply with the exact letter of the law.
But then there is the other side of the coin. The State of Washington just joined New York in banning the NRA branded insurance product “Carry Guard”.
The NRA Carry Guard website states: “NRA Carry Guard teaches you how to avoid and de-escalate conflict situations. But should you ever have to defend your life, you could face serious criminal or civil liability—even when you are completely innocent. In those devastating circumstances, NRA Carry Guard provides access to important resources.” The program provides up to $1,500,000 of civil protection and $250,000 in criminal defense costs.
This, according to Washington and New York officials, makes the insurance product illegal because it insures unlawful activity. After all, insurance covers unintended acts, in other words accidents, actions that are not deliberately committed. A simple example: Burn your house down accidently, covered. Burn it down on purpose, not covered. While the rest of the world might consider even an unsuccessful self-defense shooting a non-intentional criminal act, Washington and New York consider this a deliberate criminal act not deserving of insurance coverage.
So let’s go back to the justification for New York Senate Bill S2857A. Because of the deliberate criminal acts of mass murders, the State of New York is going to require all firearm owners carry liability insurance, insurance that does not now and can never exist and is strictly forbidden since the state will not allow any insurance to cover anything it considers a criminal act, even if unintentional.
As with California’s flawed microstamping law, just because something doesn’t exist or would never work if it did, doesn’t mean your federal, state or local government can’t pass a law requiring it. New York is working to require something that they themselves forbid, a catch-22 for firearm owners who cannot own a firearm without it, but can’t buy it to own a firearm. In other words, no insurance = no guns.
Do you still think it doesn’t matter whom you elect as your local, county, state or federal representatives?
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