guns versus knives

[Fresh_Start]

Across medically treated cases, costs average U.S. $154,000 per gunshot survivor and U.S. $12,000 per cut/stab survivor.

I think home, apartment, and health insurance should all have added riders for gun ownership.
Why should non-gun owners subsidize the cost for the gun addled.

[forgotmylogin]

1. I think guns should be individually registered like cars.

$25 fee per gun per year.

Or, as I've suggested before, tax ammo at $15 per round.

[Yonnie3]

3. and owners must be licensed, just like driving.

Requirements:
Demonstrate knowledge of gun safety.
Demonstrate adequate vision.
Provide proof of insurance.

[maxsolomon]

14. And twice yearly:

[Lee-Lee]

17. Wouldnt be constitutionally allowed

It would be thrown out just like you can’t have pill taxes.

Especially when you look at the expressed intent to put a barrier in front of exercising that right.

[forgotmylogin]

18. That's what I am arguing for. It needs to change.

You can't kill someone by throwing pills at them.

[hack89]

2. Insurers don't care

Last edited Tue Nov 7, 2017, 02:03 PM - Edit history (1)

Take away crime, which they won't cover, and there are few real accidents that need to be covered. That's why they care about pools and certain kinds of dogs - they cost insurance companies money.

[forgotmylogin]

4. You don't think insurers won't happily take your money every month?

And rarely payout since you say there are "few real accidents"?

Gun violence in the United States is a major national concern that results in tens of thousands of deaths and injuries annually. In 2013, there were 73,505 nonfatal firearm injuries (23.2 injuries per 100,000 U.S. citizens), and 33,636 deaths due to "injury by firearms" (10.6 deaths per 100,000 U.S. citizens).

[hack89]

5. Two thirds of those deaths are suicides

The remainder are crimes - which insurers won't cover. There are few actual accidents relative to the number of guns.

[forgotmylogin]

6. So, we're not concerned about gun suicides?

Especially when the situation is a family member has access to the gun when they don't own it?

[hack89]

7. We are talking about insurance

You can't insure suicide.

[forgotmylogin]

8. But...here's my point...

If you have to do paperwork and pay a fee every year for fifteen guns you own.

That is going to make you hesitate before owning hundreds more.

If one person reduces the number of guns they own or decides it's not worth it...

That's a chance there won't be a gun laying around for a depressed teen to suicide with.

Or take out his entire class and then suicide with.

[hack89]

10. Or people will simply ignore the law

Look at the compliance rates in CT and NY for their post Sandy Hook gun laws.

You still have to pass laws that people think are reasonable.

[forgotmylogin]

11. But what we're demonstrating is that "reasonable"

doesn't mean the same thing to different people.

One needs at least 20 rounds to defend from a mob home invasion. Another wants to double tap to make sure the zombies stay down.

This is the problem the NRA won't let anything "reasonable" pass or even be considered. And "gun enthusiasts" like yourself are just fine with that.

[hack89]

13. It's the "it's a good start " problem

Happens every time - a gun control law is passed and the first thing you hear is "it's a good start ". And they start pushing a more restrictive bill.

There is not a lot of trust between the two sides. The 1992 AWB took care if that.

[Orrex]

15. Actually, you can.

Does life insurance cover suicide?

The short answer to their question is yes. However, there are a few cases in which suicide is not covered. Insurance companies do pay their claims about 99% of the time, but there are other cases such as suicide, insurance fraud, and death as a result of illegal activity, for which they have an incontestability clause that they can deny claims and will not pay death benefits.

* The “suicide clause.” Usually, this clause states that no death benefit will be paid if the insured commits suicide within two years of taking out a policy.

Link

[hack89]

16. That is life insurance

The OP is about home owners insurance. Which doesn't cover suicide.

[Orrex]

19. Right, but I was addressing the more general assertion

Specifically, if insurance can be shown to cover suicide, then the argument that "you can't insure suicide" pretty much evaporates as an objection.

[hack89]

21. But no one is advocating that life insurance be mandated

As a way to mitigate the cost of gun violence.

[Orrex]

26. That's not the claim that I am addressing

However, I have seen the assertion repeatedly put forth--seemingly as an article of faith--that insurance can't be made to cover insurance. The person making that assertion often refers generally to "insurance" rather than to "car insurance" or "homeowner's insurance."

Absent that specificity--and that specificity is indeed often absent--that assertion is incorrect.

[hack89]

27. Ok. I see your point. Nt

[Fresh_Start]

24. of course you insure suicide

life insurance will pay even for suicides if the suicide occurs after whatever period of time is specified in the policy. Two years is the typical delay for covering suicide

[hack89]

25. Sorry. The OP is about home owners insurance

I know life insurance does cover it.

[Jim Beard]

9. Insurance companies cover the cost of repair of drunken drivers......

There is the same risk for gun owners.

[hack89]

12. DUI is considered negligence

Last edited Tue Nov 7, 2017, 03:11 PM - Edit history (2)

Because no one intends to injure someone else. Deliberately injuring someone during the commission of a crime is a different matter. For example, your insurance company would not pay out if you took your car and deliberately ran down a group of people.

[moda253]

20. Wouldn't suicide be mental health negligence?

[hack89]

22. I doubt it.

It is usually regarded as a deliberate act regardless of one's mental state.

[LanternWaste]

23. The biggest practical difference I see is

The biggest practical difference I see in conversations about knives contrasted to firearms is that so few idiots respond with "you said trench knife when in reality it was a balisong knife, hence your entire argument is invalid. I say this only because I care about safety."