Robb talks a bit about why the proposals that “gun owners should carry liability insurance, just like car owners” are a bad idea.
Here’s a quick summary for those who don’t want to read the whole thing:
- The vast majority of damage, injury, and death stemming from cars is accidental. The vast majority of damage, injury, and death stemming from guns is intentional (e.g., suicide, assault, murder, etc.). Insurance does not cover intentional acts.
- Existing liability insurance (e.g. homeowners or renters insurance) already cover true accidents (not intentional acts) both in and away from your home.
- Damage, injury, and death due to guns is — while certainly meaningful to those affected — statistically rare enough that mandatory gun liability insurance would be extremely inexpensive.
- Those proposing additional liability insurance are not doing so in good faith: their goal (based on the context of their other gun-related statements, proposals, history, etc.) is to price people out of being able to lawfully on firearms.
Robb goes into a bit more detail and I recommend reading the whole thing.