State Considers Proposal to Require Gun Owners to Obtain Liability Insurance to Own a Gun

Think back to 10th grade government class. Do you remember that part of the Constitution that stated that those who seek to exercise their Second Amendment must obtain costly liability insurance?

No? Don’t feel bad; it’s not in there. But then again, neither is the part about background checks.

Still, a New Hampshire House committee is considering legislation that would penalize gun owners by requiring them to obtain liability insurance merely for owning a gun.

New Hampshire state Representative Katherine Rogers (Merrimack-D) has proposed House Bill 1368, a tyrannical piece of legislation that would require gun owners and purchasers to obtain costly liability insurance policies in order to exercise their constitutional rights.

Not only is the proposal ridiculously unconstitutional, but it is without legal precedent.

The NRA recently blasted the state bill, saying,

Proponents of this legislation will comparatively argue that in much of the country individuals are required by law to insure their automobiles.  However, mandated auto insurance is a precondition that relates to the privilege of driving on public roads, not of automobile ownership.

Many, if not most, insurers do not even provide firearm specific liability insurance coverage.  In fact, many insurance companies exclude coverage for claims arising from firearm ownership.

Clearly, firearm liability insurance will have no effect on the criminal misuse of firearms; however, it will have onerous effects for law-abiding gun owners.  Under mandated insurance, gun owners could be liable for any criminal act involving the insured firearm, even if it was reported lost or stolen.  In addition, the unreasonable fines of up to $10,000 imposed on those who fail to purchase mandated liability insurance could be financially crippling.

Preconditions upon the exercising of rights is the liberal way forward. Frustrated by the continued efforts by patriotic Americans to refuse to accept unconstitutional anti-Second Amendment laws, the left has become quite creative in their efforts to drive a wedge between citizens and the practical application of their rights.

From mandating ways to make the firearms more expensive to attempting to make ammunition cost-prohibitive, those who abhor a free America are constantly searching for new, innovative ways to keep Americans from exercising their rights.

If this pattern of behavior looks familiar, that’s because it is. Similarly, segregationists once embraced a poll tax to create an unnecessary burden for blacks who wished to exercise their right to vote.

This is a pretty appalling measure to be considered in New Hampshire, a state whose motto is “Live Free or Die.”

About the Author

Greg Campbell
Greg Campbell
An unapologetic patriot and conservative, Greg emerged within the blossoming Tea Party Movement as a political analyst dedicated to educating and advocating for the preservation of our constitutional principles and a free-market solution to problems birthed by economic liberalism. From authoring scathing commentaries to conducting interviews with some of the biggest names in politics today including party leaders, activists and conservative media personalities, Greg has worked to counter the left’s media narratives with truthful discussions of the biggest issues affecting Americans today. Greg’s primary area of focus is Second Amendment issues and the advancement of honest discussion concerning the constitutional right that protects all others. He lives in the Northwest with his wife, Heather, and enjoys writing, marksmanship and the outdoors.

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