D.C. Lawmakers introduced legislation earlier this week which would require gun owners to maintain insurance policies of at least$250,000. The policies would be in place for gunshot victims, in order to help pay for any potential medical costs, and also to promote gun safety.
The bill is intended to cover, “any damages resulting from negligent acts, or willful acts that are not undertaken in self-defense.” So far, at least six states have introduced similar gun liability insurance laws, but as of mid-February, none of the states have actually passed such measures.
Gun owner liability policies are already offered through organizations such as the National Rifle Association. The only difference that would occur as a result of this bill, and those similar to it, is that in addition to creating a potential fund, the decision to carry coverage would no longer be voluntary. It is estimated that medical care for those killed or injured by gunfire in 2010 cost an estimated $3.2 billion.
Gun owners are already criminally and civilly liable for their conduct, as well as potentially liable for any damage or injuries caused by their guns. The act of requiring an insurance policy merely ensures that there is an accessible fund available for victims and their families to make claims against.
Washington DC Injury Lawyer Blog


