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this post was submitted on 01 Feb 2024
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Personal liability insurance exists. It's often included in home or renter's insurance. If someone knows they're likely to end up in a lawsuit because they love punching people, it would behoove them to get that.
But the damage that can be done by a pair of fists is often a low enough dollar number (and jail time) that it can reasonably be paid by the person owning them. A broken orbital socket is a hell of a lot cheaper than, say, three people's lives. There's also unlikely to be collateral damage with fists, since they can only travel so far. Most people can't pay for the damages in a shooting event, and right now that cost is instead being covered by taxpayers.
Insurance isn't for the small things, like a broken window or punching someone. It's for very expensive, sometimes catastrophic damage.
Well, CCW insurance really only covers legal costs associated with CCW use. Unfortunately in some states, it's entirely possible (and in some states likely!) that someone who uses their firearm in self defense can get charged with a crime or sued by their attackers, regardless of how justified their use of force was.
I'm aware of some policies that cover third party damages like hospital bills and property damage, but the victims in this case are never held liable anyway.
So am I missing something? Especially given that practically all gun violence and deaths come from suicide and organized crime, how does this bill help anyone? CCW holders are statistically much less likely to break laws than those who don't have a license, these people really shouldn't worry anyone. This reeks of political posturing to me.
Edit: Just read that the law requires bodily harm and property damage coverage, so nevermind. The only scenario where the CCW holder would be liable for those damages is if their use of force isn't justified, so I'm still not sure how this helps anyone.