But here’s the restriction I really want to impose: force all gun owners to purchase liability insurance. That’s required for owning a car, despite the fact that such a rule could be deemed by the unreasonable as being an impediment to constitutional protections of interstate commerce. And, unlike government, the one thing insurance companies know how to do is assess risk.
You want a semi-automatic assault rifle? O.K., says the insurer. Where are you going to store it? Who else will have access to it? Your insurance won’t apply if someone else is firing it. Have you been trained? Do you have a license? You want another one—well, your rates just went up. And by the way—you have to notify us if you have been deemed to have any psychiatric problems, because we might cancel your policy. Then, just like with a car, people who want to carry around their gun have to have their insurance card on them at all times. And folks who have a gun without insurance? Well, that’s when the government steps in and deems it a felony.