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In reply to the discussion: David Hogg shares fellow students plan for gun control on Twitter [View all]ooky
(8,926 posts)Last edited Tue Feb 27, 2018, 11:41 PM - Edit history (1)
Yes, I agree that with respect to my suggestion that the insurance codes in some if not all states as written may have to be waived specifically and only for to allow for the creation, sale and application of the type of insurance I am suggesting. I would argue that with respect to CA code sec. 533 that broad interpretation of the code would not be in conflict because the willfull act is not of, or by the insured, and satifies the conditions for payout as the result of the gun owners negligence. Further, I would argue that this type of insurance does not provide any incentive for the typical criminal who commits these acts. (However, I do acknowledge that it could open up the door for a really heinous form of fraud. How much of a problem that would be is a question to be answered with respect to the concern of creating a moral hazard.)
With that said, if a better policy to help protect victims could be established, such as what you have suggested, I am all for that kind of alternative approach, especially if it accomplishes much the same result. Gun owners need to foot the bill so your ammunition tax would be a good suggestion.