Some gun-control advocates believe that insurance can help reduce gun violence by encouraging responsible gun ownership, in part through lower rates for gun owners who secure their weapons and maintain a perfect safety record. Insurance would also provide a mechanism to compensate victims of accidental or negligent shootings.
Insurance-industry representatives argued Thursday that there is no market for such coverage, noting that many accidental shootings are covered by homeowners’ policies. The industry is particularly troubled by a clause in the district’s proposal that would mandate insurance for “willful acts,” which would go beyond the scope of conventional liability insurance. Orange and Cheh, both Democrats, said they would likely remove that clause.
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