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this post was submitted on 01 Feb 2024
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IIRC, shooting someone in self-defense can still add up to about $500,000 in legal costs.
I'm not sure enforcing liability insurance makes it harder on poorer people as much as helps them potentially avoid insurmountable financial hardship should they ever need to use their CCW.
@mob expressed himself wrong. It doesn't really hurt the poor people directly, but it does transfer even more power to rich by allowing them to arm themselves and stopping anyone from working class to do so as well. It is ultimately a right-wing bill disguised as left-wing, as all laws end up being in the end.
A $1 million umbrella policy is like $200/year.
Who can afford guns but not a $300k insurance policy to avoid going bankrupt if they have to use them?
Maybe people with bad credit scores? If everyone can afford it, why make it into a bill? Is it just marketing for politicains so they can just pretend they are doing something about it, or are they actively discriminating from the poor.
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.
I think you are the first person in this thread to understand that $300k is the policy amount, not the cost...