Democrats want gun owners to report to insurance companies

A gun control proposal making its way through the Vermont statehouse would require homeowners to tell their insurance companies whether a firearm will be kept in the house. The measure represents an insidious trend of gun grabbers increasingly looking to the private sector to clamp down on 2nd Amendment rights.

According to Vermont Watchdog, the state bill “proposes to require an insurer that writes homeowner’s insurance policies to require a policyholder to disclose to the company whether the homeowner or member of his or her household possesses a gun that is stored on the insured property.”

Democratic state Rep. Thomas Stevens says the legislation is ultimately aimed at getting the private sector in the business of gun regulation.

“I believe it can be a free market answer to an important gun safety issue — let the insurance companies and banks decide what risks they need to consider when making mortgages and home owners insurance. Insurance companies ask lots of questions to determine that already,” he said.

Friends of the 2nd Amendment in the state argue that the bill would create a statewide gun registry.

“How would this be enforced? By requiring the insurance companies to submit proof of compliance to the government, of course. And no insurance company will create a policy that pays out when the policyholder willfully commits a crime. This is nonsense, and insulting nonsense at that,” Eddie Garcia, founder of the Vermont Citizens Defense League, told Vermont Watchdog.

The privacy-damaging Vermont proposal is just one of a bevy of schemes popping up throughout the nation that attempt to tie the insurance industry to 2nd Amendment rights.

A bill recently introduced in Hawaii would require anyone who owns a firearm to purchase liability insurance. State Democratic Sen. Josh Green said the bill is no different than requiring car owners to carry insurance.

“They have to pay insurance so that if they’re in a collision and they hurt someone else who’s an innocent bystander, it’s covered. Just like with guns, if a gun falls into the wrong hands or if there’s an accident, just an accident, it makes a lot of sense to me that we have that extra level of responsibility,” Green told Hawaii News Now.

A similar measure in New Hampshire would require gun owners as well as dealers to carry liability insurance or face steep fines.

California and New York lawmakers have proposed similar laws.

Over the summer, House Democrat Rep. Carolyn Maloney (N.Y.) introduced the Firearm Risk Protection Act to impose liability insurance mandates for gun owners at the federal level.

“We require insurance to own a car, but no such requirement exists for guns,” Maloney said in a statement. “The results are clear: car fatalities have declined by 25 percent in the last decade, but gun fatalities continue to rise.”

Of course, there’s plenty of evidence to contradict Maloney’s claim that gun fatalities are on the rise.

It’s also worth noting (in case you haven’t already mumbled this to yourself by this point in the article) that one thing all these anti-gun politicians seem to forget is that nowhere in the Constitution is the guarantee that government can’t infringe on your right to own a car. Also, people willing to commit gun crimes aren’t likely to check with their insurance agent first.

Still, supporters of such ridiculous proposals argue that insurance companies, seeing a huge incentive for profit, could become a powerful ally in the battle to create new barriers for legal gun ownership.

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