05-19-2018, 03:28 PM | #1 |
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Making Guns safe for society
There is a simple solution to the entire debate about Gun control: insurance.
How is it that some kid can kill 10 people, injure another 10 people, and terrify hundreds and be completely unaccountable? 1. I would argue that for any kid in school that is killed their should be an automatic $1 million dollar settlement. In addition the Federal govt should get $500,000 for lost tax revenue over the average life of an average worker and the State should get $100,000. 2. For those injured they should pay 10 times the health care costs. So if the hospital costs and ambulance costs come to $10,000 then they should pay $100,000. 3. In addition the City and State should be compensated for the police and various costs they incurred. 4. Likewise those who have been terrified by seeing kids gunned down in front of them should also be compensated to pay for counseling and increased security that these students will need to feel safe. It seems reasonable that this event could easily run $20 million for an insurance company to pay. If we require gun owners to have insurance then you immediately get all the benefits of a well funded corporation with a profit motive behind limiting damage and liability of guns. Certainly this is part of the definition of a "well run" militia.
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05-19-2018, 03:38 PM | #2 |
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Re: Making Guns safe for society
I dont think it will work or doesnt solve the real problem. What if they intend to suicide they wont care about money. And I thought liability insurance already exists.
Many studies have been done in Europe and US and elsewhere and found that the problem is the abundance of guns. Statistics puts this in perspective - there are more privately owned guns than in a civil wore torn country. There is strong correlation between gun ownership and gun violence. The only real solution is to cut the number and type of guns in circulation. Once that is done. .then secondary measures like you propose can be taken. Others are re education programs and better mental health checks etc. |
05-19-2018, 04:39 PM | #3 | |||
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Re: Making Guns safe for society
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In addition to reduce your insurance payments you would have to provide additional information like write ups at school that would identify high risk. All of this is far beyond the scope of the police, but is already part of the capability of insurance companies. They employ the best mathematicians in the country to calculate risk. Quote:
In the US we can freely move around, so if guns are legal in Louisiana, Texas, Montana and Alaska how do you keep people from buying them there and bringing them to other states? Quote:
Right now the issue is that gun manufacturers have the NRA as a powerful lobbyist, we need to balance that with a powerful lobbyist that wants guns to be safe. Legally the precedent is there. You have the right to own a car and drive it, but you also can be required by law to have liability insurance. One comic joked the solution would be to make bullets cost $1 million each, then people would say "I would shoot you but I can't afford the bullet". In the future the kids will say "I would shoot up the school but I can't afford the liability insurance".
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05-20-2018, 05:20 AM | #4 |
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Re: Making Guns safe for society
One law that I think the insurance industry could lobby through once they were financially incentivized would be an annual registration fee (similar to cars). When you buy bullets you have to show proof of having paid the fee or else pay it then. So for those who own guns but don't shoot them this would be a non issue.
This fee could be used to help pay for school security. This is an example of how a solid lobbyist could pass through laws that make us safer without impinging on the 2nd amendment.
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05-20-2018, 05:46 AM | #5 |
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Re: Making Guns safe for society
Guns here in America have the problem of constitutional backing. The gun problem will continue until something is done about that.
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05-20-2018, 08:58 AM | #6 |
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Re: Making Guns safe for society
Yup, liberals have done their best to destroy the first, second, and fourth amendments to our constitution.
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05-20-2018, 11:01 AM | #7 |
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Re: Making Guns safe for society
Trump must be a liberal.
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05-20-2018, 11:13 AM | #8 |
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Re: Making Guns safe for society
Automobiles are every bit as dangerous as guns yet we have made them much safer. The first step is requiring everyone driving a car to have insurance so that they can pay for any damage and harm they do.
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05-20-2018, 11:16 AM | #9 | |
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Re: Making Guns safe for society
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For example the owner of the guns used in this shooting in the Texas school claims he had no knowledge or hint that his son would do this. He also had a locked cabinet for the guns. Insurance companies need to take into account that a gun purchased by one person and kept locked up can still do harm by another.
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05-20-2018, 02:03 PM | #10 |
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Re: Making Guns safe for society
It's a form of population control not unlike depicted in the Purge movies. The expectation is that good law abiding citizens with guns would eliminate or purge the bad.
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05-20-2018, 04:13 PM | #11 |
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Re: Making Guns safe for society
You are making jokes about these people who are getting gunned down in school?
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05-20-2018, 05:51 PM | #12 | |
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Re: Making Guns safe for society
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In theory this is how it should work but in practice the felons and mentally ill also can get guns and shoot good people, so restricting access to these people is important I think. I think insurance will just make it more expensive and therefore harder for good people to have guns so will make the problem worse. Like how in some countries the tax/insurance is so high on cars that most people don't own one. The number of good people with guns needs to increase while the number of felons/bad people with guns decrease and I don't think insurance helps with that, as bad people will always find a way to get guns/bullets and good people will just end up paying more. Expensive bullets is not a real solution either because people will just make their own if they aren't already. Other things that could be done in terms of re-education, is re-educate that guns are a tool not a toy/hobby, and mandatory military service to learn proper attitudes in relation to guns and gun ownership. Then, accompany guns with health warnings like done for cigarettes. For teenagers especially, mandatory visitation of gun shot victims in hospital. |
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05-21-2018, 05:27 AM | #13 |
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Re: Making Guns safe for society
Lets return to the first post and no longer return to theories of population control akin to the movie the Purge.
The biggest problem we have with making guns safe for society is that there is no balance to the lobbying of the NRA. If we made liability insurance mandatory for all gun owners we would solve that problem. They would now have a vested interest in lobbying for important reforms. 1. We could have a special tax on all gun related purchases that is used to pay for the increased security at schools. There is no issue with the US constitution as sales tax is already applied to guns. But like the gasoline tax or the tax on cigarettes or toll booths there is plenty of precedence for this kind of tax.
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05-21-2018, 05:38 AM | #14 |
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Re: Making Guns safe for society
Was the owner of those trucks that slaughtered people on sidewalks also "accountable and responsible for any damage and harm done?"
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05-21-2018, 05:40 AM | #15 | |
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Re: Making Guns safe for society
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He lives in the gun-free crime-free downunder utopia.
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05-21-2018, 05:44 AM | #16 | |
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Re: Making Guns safe for society
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Taxes, aka "creative revenue enhancement," the ultimate liberal solution to all problems. I have one. Why not mandate that Hollywood and the video gaming industry sanitize the violence?
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05-21-2018, 07:14 AM | #17 |
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Re: Making Guns safe for society
You can't rent a truck without insurance. So yes, those harmed by him could look to the insurance company and the rental company.
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05-21-2018, 07:18 AM | #18 | |
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Re: Making Guns safe for society
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This is better than "sanitizing" the violence because then there is the big debate, commissions, legislation, and ultimately it is a big expense to tax payers with little or no proven benefit. We know that security guards, alarms on all doors, metal detector -- these things do make schools safer and they are also expensive. Since the NRA is calling for these things I think everyone will agree with these measures, but surely only gun owners should be paying for extra security to make schools safe from gun owners.
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05-21-2018, 07:52 AM | #19 | |
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Re: Making Guns safe for society
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Did you catch the NRA guy that showed up while 10 school kids lay dead? He showed up outside the school, with a MAGA hat, flag, and wearing a gun. That "good" guy with a gun didn't stop a bad guy with a gun. In fact, Texas is full of good guys with guns, and all of them couldn't stop one bad guy with a gun. So if the 2nd amendment was intended for population control, Darwin style, it's proven a failure. Actually, whatever the intention was of the 2nd amendment, whether to guard against a tyrannical government, or to make sure slave owners could prevent a slave uprising -- we don't know -- it has proven to be a failure, given any or all possible intentions. In the end, judging by its fruit, the 2nd amendment is not serving the good of the American people over all. In fact, other countries have proven that the good of the people is best served by banning guns.
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05-21-2018, 09:18 AM | #20 | |
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The 2nd Amendment was not designed to protect us from crazies with a gun, but to help protect us from oppressive governments. By your logic all those Nuclear Treaties were "failures" since Iran and NoKo have nukes.
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05-21-2018, 12:06 PM | #21 | |
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Re: Making Guns safe for society
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But, there is no constitutional issue with treating guns the way we treated cars or cigarettes or alcohol or roads or gasoline. All of these things have special taxes, licenses, and tolls designed so that those who own and use them pay for that use.
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05-21-2018, 12:23 PM | #22 | |
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Re: Making Guns safe for society
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Between the ages of 18 and 21, gun ownership should require adult supervision, similar to a learner's permit for driving. I don't buy this arguement, "If they can fight and die for their country at age 18, then they can own a gun at age 18." The military is an environment which yields absolute control over 18-20 year olds. The guns they use in the military are controlled in every way. Soldiers don't take their guns home with them when they leave the military.
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05-21-2018, 03:28 PM | #23 | |
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Re: Making Guns safe for society
And I would give up all of 'em, if it saved only one school kid.
In fact, I wish the whole world would do away with all weapons, but I know that would never happen. America has the 2nd amendment. Quote:
That makes all treaties a joke.
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05-21-2018, 06:26 PM | #24 |
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Re: Making Guns safe for society
To think it can all be solved with insurance and it only requires a "simple solution" is naive. If it were simple it would be done by now. The other simple solution is to do something about the abundance of guns, which the research keeps pointing to as the key problem. Not mental health, or lack of training etc.
Jesus said, "whoever takes up the sword will die by the sword". Applying this to gun ownership, means that the more guns that are available the more who will die by them. See, the Bible already has the answer to this problem. |
05-21-2018, 07:01 PM | #25 | |
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Re: Making Guns safe for society
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If these insurance companies were involved they would spot large, scary purchases like those made by the guy who shot up the theater during the Dark Knight showing. That would be better. They should have spotted worrying signs with the millionaire who shot up Las Vegas, that would be better. These insurance companies could be an effective lobbyist that would push through legislation. Perhaps a yearly registration which helps pay for school security as well as a special tax on gun related purchases. That also would be better. What is naive is to think that since we haven't done anything there is nothing to do. Getting the insurance industry on board with a financial motive to make guns safer solves the problem of everyone being afraid to go head to head with the NRA. Everyone is arguing about AR15s, but the reality is that if an 18 year old with no previous gun decides he needs an AR15, a thousand rounds of ammo, plus a glock and some other gun, that could be prohibitively expensive from an insurance point of view.
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05-21-2018, 11:32 PM | #26 | |
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Re: Making Guns safe for society
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Insurance would not have solved the problem of the last school shooting where firstly, it was a pistol and a shotgun not an AR15, and secondly, it was taken from his father. If the father gave his permission, then it would probably make the father financially liable for the actions of his son, which I don't think is fair. Or if it were taken without permission, the father would probably not be held liable but then financial cost of liability is probably not sufficient deterrent to a person who is determined to kill people. I don't think you've thought this through very well. From an economic point of view, more insurance can increase inflation causing higher living costs for everyone. Health insurance is an example of that. In effect, those without guns would be subsidizing those with guns due to the increased cost of living. All insurance does is make it more expensive and difficult for everyone and even potentially increase the number of illegal/homemade weapons in circulation. Driving up the cost of weapons/bullets would lead people to create their own weapons or buy weapons illegally and increase the chances of weapons being stolen. A key point of difference between cars and weapons is that cars are out on the road so it is easy for police to detect and stop illegal/home-made/unregistered cars, but home-made weapons can be hidden. Insurance companies would also have a vested interest in maintaining and even growing the weapons industry which will only increase the problems. I can see that a win-win situation for insurance companies would be to be both in the weapons and medical insurance business. I think insurance can be part of a solution but is not "the solution". A range of things could be done which are not being done, and if they fail the only option is to change the 2nd Amendment (isn't it ironic that a thing called an Amendment cannot be amended?) and force everyone to give up their weapons, which I believe is God's will as revealed in the Bible (armed authorities are biblical, a private army is not). The 2nd Amendment in fact goes against the Bible's teaching. Contrary to the 2nd Amendment, the Bible teaches that we should: - pray for authorities, not form armed militias. In the time of Jesus, he did not encourage his followers to join the zealots to rebel against the Roman Empire. - not solve personal problems with the sword - like Peter. - to rebel against governing authorities is to rebel against God. - the bible does not teach that it is the people's right to bear arms. Rather, the bible teaches that it is the right of the governing authorities to bear arms. - if the government decides to change the laws and forbid people owning weapons, then people must submit to the governing authorities not argue about their perceived rights If Trump is truly God's chosen one or God's gift to mankind then I would expect Trump to be doing something towards fixing the 2nd Amendment. This is a problem bigger than terrorist/NK/Iran combined. |
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05-22-2018, 12:27 AM | #27 | |
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Re: Making Guns safe for society
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05-22-2018, 04:50 AM | #28 |
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Re: Making Guns safe for society
That's a bogus statement. Why wait? What if your guns are responsible for the next school shooting? Don't you think that father in Santa Fe, TX would say the same thing about giving them all up?
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05-22-2018, 04:59 AM | #29 | |
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God's chosen one? God's gift to mankind? Bigger problem than nukes in the hands of terrorist regimes?
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05-22-2018, 05:01 AM | #30 | ||||
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Re: Making Guns safe for society
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However, that does not mean that requiring insurance does not help in this situation. If a person is stopped and has guns on them the fact that they are stolen is one violation, the fact that they don't have insurance is a second. This gives the police more power to crack down on criminals. Also, the reason most shooting crimes in Chicago are not solved is simply because the NRA has blocked attempts to digitize our gun purchase records saying that creating a registry of guns is the first step to the US govt seizing your guns. As a result the cops could stop known gang members with ten guns in the trunk and not be able to determine if they are stolen. However, you could immediately determine if they have insurance, and that would not be a "govt registry". Quote:
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05-22-2018, 05:48 AM | #31 |
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Re: Making Guns safe for society
This long post by Evangelical has shown that many people are not aware of the true situation in the US and the incredible disparity between what we have the capability to do and what we are legally able to do.
Every gun has rifling that leaves a unique print on the bullet. As a result we can catalogue every single gun based on this print when they are manufactured. In this way a shell casing and bullet can immediately (using a computer database) identify the gun that shot it and pull the history of that gun (who bought it, where, was it stolen, etc). Now even though we have the technological know how to do all that, and even though the FBI and Police departments are all computerized and could easily assemble such a database, they are not allowed to do so. Instead the records of hundreds of millions of guns are required to be stored on paper. These paper records are all but inaccessible. (I suppose if someone kidnaps another Lindbergh baby we would mobilize the manpower to access it). Why not digitize the records when that would allow us to solve a literal "ton" of unsolved crimes (when you consider the weight of those paper records)? Because according to the NRA that would constitute a government registry of guns (why don't the paper records constitute a government registry? No idea). However, insurance records held by private corporations would not be a government registry. So, in the event of a crime the government could contact the Insurance agency and get the benefit of the digital search. Suppose we had a routine traffic stop that disclosed a number of guns. The driver of the car might have a hand written receipt that he bought these off of a "collector", sidestepping many of the reporting requirements that dealers are required to fill out. Still they have to be insured, so when the cop contacts the insurance company he gets the full background of the guns. If there is no proof of insurance then it is a violation for each gun, they seize the guns, the perp appears in court and the cops can determine if any of those guns have ever been used in a crime previously by comparing a test bullet with their database of crimes. Major cities have set up microphones so that if a gun is fired in the vicinity they can immediately triangulate the position. In this way they know the exact time, location and caliber of the gunshot. This becomes very valuable in a trial. When the cops pull up on the scene they are going to find the bullet and perhaps even the shell casing. With that information they could (if we had insurance) immediately know the gun and the purchase history of it. These cities also have cameras set up everywhere as well as cameras with most businesses. Literally within an hour of a gun being shot the police can have the full information about the gun, a picture of the suspect, a license plate on his car. But that is only if we have insurance. Without it you don't have the gun and without the gun you can't prosecute the crime. Cutting the cost for solving crimes and quickly getting violent offenders off the streets are two very real economic benefits.
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05-22-2018, 06:06 PM | #32 | |
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Re: Making Guns safe for society
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Insurance doesn't stop people taking cars and using them illegally. How do you think it will stop people stealing guns and using them illegally? The only way to do that is to restrict physical access and availability. That is the main thing that has worked in countries around the world and that is what the scientists are saying is the best way. We see this policy working in Europe where mass murderers find it easier to use a truck to kill people than a gun. Not because a gun is really expensive, but because it's really hard to get, and the ones you can get are not so powerful anyway. |
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05-22-2018, 06:17 PM | #33 | |
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So it's a legal problem. But if fixed, then the solution is tracking and controlling everything. That sounds like more control, governance and invasion of privacy, or comes close to it. Government and insurance is basically the same thing. The 2nd Amendment is to protect against government tyranny and oppression. But your proposal is to place more trust in the government in order to secure the 2nd Amendment which is to protect against that same government. With the government/insurance companies in control of all this information, there is too much room for abuse and misuse. |
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05-23-2018, 05:00 AM | #34 | |
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Re: Making Guns safe for society
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05-23-2018, 05:05 AM | #35 | |||
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Re: Making Guns safe for society
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However, tying the hands of the police behind their back, making them search through hundreds of millions of paper receipts when all of this could be digitized is idiotic. Maintaining this stupidity would only appeal to idiots and those that profit from this idiocy. There are gun dealers who sell 90% of the guns that are used in all gun related crimes. Solving these crimes would identify these dealers and help us put an end to this. The only people against that are those that sell these guns (dealers and manufacturers) and idiots. I do not know why someone from another country would stick their nose in this? Do you have a financial interest in these sales of guns to be used for criminal intent?
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05-23-2018, 05:12 AM | #36 |
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Re: Making Guns safe for society
For those that may not be aware we have seen a dramatic drop in per capita crime in the developed world during my lifetime. There have been numerous attempts to explain this drop with Politicians trying to take credit for fixing broken windows and cleaning up graffiti. But the undeniable evidence is that various forensic measures have resulted in catching criminals and convicting the actual guilty party at a much higher rate. It should be no surprise that if you take the actual perpetrators of crime off the street that crime goes down.
If we applied techniques that we have available to us to gun violence we would also see a very big drop in crime. The problem with committing a violent act with a gun is that the bullet is excellent evidence. Now unless the shooter immediately gets rid of the gun in a way that it will never be retrieved and then immediately eliminates all evidence of their involvement it is relatively quick and easy for the cops to arrest, prosecute and convict this person. But only if they have access to digital records. If people are concerned with the government controlling these digital records I have no issue with that. In the hands of private companies they would only be accessible if they were given a search warrant signed by a judge. That is constitutional and reasonable. We know that the most violent killers can kill tens of people. Every time we take one of these people off the street you have a very big impact on reducing gun violence. Insurance would make it almost impossible for these killers to operate. Second, these mass killings and school shootings could be positively impacted with better security at the schools. That costs money and needs to come from somewhere. It would be adding insult to injury to take that money from the school budget. Once again, having a powerful lobbyist would be necessary to get the money for this security.
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05-23-2018, 06:31 AM | #37 |
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Re: Making Guns safe for society
ZNP there are two major flaws in your ideas that are fundamental to constitutional rights and insurance.
1) Requiring the carrying of insurance to exercise a constitutional right would most likely be a violation of that constitutional right. It would be like being forced to carry "offensive language insurance" to be able to exercise free speech. So if someone is forced to have something to be able to exercise a right then it is not a true "free right" at all but a conditional right, which is called a privilege. In order to carry out your proposal in practice, it would likely require removing gun ownership as a constitutional right or weakening it somewhat to a privilege making the US like most other countries. If that happens, then I think confiscation of excess and high powered weapons would be more effective method than insurance, more laws, more unnecessary administration and higher insurance costs for all. What could be done to get around this is to say "well you can own a gun without insurance (and so your right is not violated) but to use it you need insurance" just as you can own a car without insurance, but the problem is why would anyone own a functional gun if they aren't intending to use it? I don't see this as workable and I think it is implied in the Constitution that the right to bear arms includes the right to use them. 2) Insurance covers accidents not illegal or intentional actions. There is no way that an insurance company is going to provide cover for intentional and especially illegal actions. That's not what insurance is for. What you are describing sounds reasonable in terms of digital records and minimizing paperwork, but it seems you have pointed to insurance because they are currently best suited to do this type of work, but other companies could fulfill this role, e.g. Amazon or Google or other major tech companies that can expand to provide an insurance-like (but not necessarily insurance) role. So I think fundamentally it would not be insurance companies doing this, but someone else. Perhaps the type of company or institution to fulfill this role does not yet exist, and needs to be created. Still, being able to enforce this sort of thing without violating constitutional rights is the problem I think. To say "You can have the right to own and use a gun but only if you pay insurance for it and meet this criteria and licensing and everyone must have it" is precisely the definition of a privilege (defined as a special right, advantage, or immunity granted or available only to a particular person or group) and how it is implemented in other countries in the world. It is for this reason that being able to own and drive a car pretty much anywhere in the world including the USA is called a privilege not a right. Overall what stands out to me in your ideas is not that more insurance is needed but better use of data and technology and better processes so that law enforcement can do their job better. Maybe that still can be achieved without everyone requiring to get mandatory insurance or violating their rights, by for example putting secret technology or software in the weapons themselves like is put inside mobile phones. Then it won't be mandatory for anyone to "get insurance" but rather all the information necessary is recorded and retained for whoever uses the weapon. |
05-23-2018, 07:18 AM | #38 | ||
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Re: Making Guns safe for society
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Doctors get malpractice insurance. The doctor could have been DUI, which is criminal, yet the patient can still sue and the insurance will pay. Surely getting drunk before an operation can be viewed as "intentional". A person who runs over another person while violating the law is still covered with liability insurance. Liability insurance doesn't protect the driver, it simply protects the victims of the driver. As a result when you demonstrate that you are a reckless driver your insurance goes up. Or you lose it. Police are also insured in the event they shoot and kill an innocent person. As usual you are simply making stuff up or talking nonsensical gibberish.
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05-23-2018, 12:10 PM | #39 | |
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Re: Making Guns safe for society
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But if you have a gun in your house for security and you use it. The gun might be legally purchased, you might have a license, and your use of force might be justifiable, but without insurance you would still have a violation. So it would be foolish to not have the insurance. Especially if your gun were stolen and used in a school shooting. Without insurance you could be financially ruined. The law would kick in when you go to make a purchase of bullets. At that point you would have to show proof of insurance, a valid license, and have paid the school security tax. I suspect the best way to administer that tax would be a sales tax like we have on cigarettes or gasoline.
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05-23-2018, 12:16 PM | #40 |
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Re: Making Guns safe for society
The world is changing now that we have AI. Facial recognition is a huge advance. Think of all those wanted posters, they will become a thing of the past. Now when we get a picture of a suspect we'll be able to identify them by name and address in a very short order. When I was a kid we would hear the description of a perpetrator of a crime, now we get a grainy picture of the person on the evening news, in a very short time we'll get beautiful glossy pictures along with name and address.
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05-23-2018, 01:48 PM | #41 | |
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05-23-2018, 03:11 PM | #42 | |
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Re: Making Guns safe for society
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And it shows you dont know the basics of insurance. Insurance can cover accidental injury but will not cover a gun owner who decides to kill people. You used the term liability but you are really talking about intentional acts...confusing the terms. Why dont you try to take out a policy for your car and tell them its to protect someone in the event that you or a crazy decide to kill someone. See how that goes...talk to a real insurance person about your ideas then you'll find out how wrong they are. |
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05-23-2018, 04:09 PM | #43 | ||
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Re: Making Guns safe for society
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Employee dishonesty coverage – This type of coverage pays for losses caused by dishonest acts of employees, including embezzlement and theft, forgery or alteration and computer hacking. Money and security coverage – This coverage protects companies from securities taken by burglary, robbery and theft inside the company. Therefore I expect that an insurance company could fashion an instrument for gun owners as well. I do understand that they are in the business of making money. There are hundreds of millions of guns in the US and the total number of crimes are a very tiny fraction of that. Therefore once they calculate the risk they can make a very profitable business out of it. In addition I would not be surprised if the accidents relating to guns are more numerous than the crimes.
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05-23-2018, 05:08 PM | #44 | ||
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With all those measures in place, the US is then really no different to other countries that have clear laws in place about gun ownership, licensing, registration, age limits etc. Not some grey "constitutional right" that in practice is more like a privilege no different to Israel, the UK, or Australia/New Zealand. Also if we want to get technical about what it says, "a well regulated militia" can mean a collective, not individual, right to bear arms, which fits the original intent that the US had no standing army and might have needed to call upon a "well regulated militia" to defend against invaders. A cache of weapons at some central location would satisfy this and does not necessarily imply private ownership for self defense. Quote:
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05-23-2018, 05:17 PM | #45 | |
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Re: Making Guns safe for society
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So, in the same way the insurance company could cover the owner of a gun if a child were to break into a locked cabinet and use the gun and cause harm. Likewise, if the millionaire buys 30 machine guns and thousands of rounds of ammunition the insurance company could cancel his insurance, alerting the police months before the mass killing.
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05-23-2018, 05:46 PM | #46 | ||
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Let's go with a more relevant example. A father has guns which are stored safely and properly, he has taken all reasonable measures. His son breaks into the locked cabinet, takes a weapon, kills 50 people. How does the insurance cover work in this case? The father's liability cover - assuming the father has taken all reasonable measures he is not liable. The son's liability cover - not covered, because this is damage caused intentionally by an insured person. The son cannot seek to profit or gain by insurance from his intentional acts. The victim's cover - probably covered by medical or life insurance. Any damage to property also covered by their own property insurance. I cannot see an insurance company would want to pay a victim damages due to the intentional or criminal actions of one of their members. As we can see, the role or need for gun liability insurance is unclear. This is then more a criminal matter, not an insurance matter. Liability insurance is designed for covering gun owners who commit an act of self-defense. It would never cover an owner who intentionally or illegally acts to injure another, that's not insurance that's something else. And a gun owners insurance would never cover another person who wants to commit an intentional or illegal act with their weapon. "Police are also insured in the event they shoot and kill an innocent person." That is accidental shooting, not intentional. Police are not covered if they want to go postal. |
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05-23-2018, 07:06 PM | #47 | |
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there is a doctrine in tort law known as "attractive nuisance" that concerns structures, such as pools, hot tubs, playgrounds, etc. that are attractive to children. The rule of attractive nuisance holds that if a child is injured as a result of using an attractive nuisance, the property owner is liable for such injury, even if the child had no permission to be on the property in the first place. The rationale behind this rule is simple: we don't expect minors to be able to comprehend the law in the same way as adults do, nor do we expect them to exhibit adult levels of impulse control. Traditionally, property owners had a duty to eliminate the risk posed of a child using the attractive nuisance in order to escape liability; modern law has relaxed the rule a bit, so in most states, pools etc. do not have to be perfectly childproofed. However, all reasonable precautions must be observed. They should be allowed to place restrictions on whether or not they will sell you insurance, and at what price. If you are required to have insurance that becomes an important issue.
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05-23-2018, 07:31 PM | #48 | |
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I can see that the costs of insurance might make that millionaire think twice about purchasing 30 guns. It's not going to prevent him buying 30 guns if he wants to, they just won't be insured. But an insurance company is not going to "cancel his insurance, alert the police" just because someone buys a lot of something. This sort of oversight and tracking seems like something the FBI would or should do, not an insurance company. |
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05-24-2018, 05:00 AM | #49 | ||
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05-24-2018, 05:06 AM | #50 |
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Re: Making Guns safe for society
The point about using insurance is not that it is a silver bullet, but rather it is a magazine of silver bullets.
1. People with children in the house will be given a list of the best ways to keep the gun safe and as a reward will save money on their insurance. Why wouldn't a responsible individual welcome that? 2. People who are damaged by children and/or accidents will receive financial reimbursement. Why would anyone be against that? 3. Those who have reasonable, effective legislation they want pushed through will now have a very big, powerful lobbyist as an ally. 4. Police will be given the benefit of computerized records without creating a government registry. This will enable us to solve crimes and remove violent offenders from the streets. Why would anyone be against that? 5. Everyone wants safer schools and everyone agrees that better security at the door would be an effective strategy towards that end. This will help pass laws that will pay for that strategy without bankrupting schools. Why would anyone be against that? 6. The insurance agency will be able to act as an early warning system when someone is doing something that is a red flag to violent behavior. None of these measures eliminates the possibility of an innocent person being shot, but each and every one of them does make the US safer. Just as the insurance industry has had a big impact on making cars safer they can do the same with guns.
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05-24-2018, 11:02 AM | #51 |
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Re: Making Guns safe for society
Terrorism insurance is insurance purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities.
Schools need to purchase this, and the cost should be paid for with a tax on guns and gun paraphernalia. Among other things, coverage reimburses you for costs associated with sabotage, terrorist attacks, riots and terrorism-related event cancellations. How is that any different from what I am talking about? The idea is that a special sales tax on guns, ammo, etc will go towards paying for this insurance for all schools nationwide. It could be similar to a disaster insurance. This would create a very big market for insurance companies and would activate the full breadth of their resources towards reducing the risk of these school attacks.
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05-26-2018, 09:54 AM | #52 |
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Re: Making Guns safe for society
So far we have had 23 schools shootings this year where someone was hurt or killed. That works out to one per week. Therefore it seems very reasonable that all schools in the US be insured against terrorism and that this insurance be paid for by everyone that owns and/or uses a gun.
2nd, it is true that Schools would be significantly safer if we could restrict access to a single door that has a metal detector and police. To do this you have to put alarms on every other door in the event someone opens them since for fire safety they must be able to opened from inside. The cost for these security measures should also be paid for by people who own and/or use guns. 3rd, we will be able to very quickly solve crimes involving the use of guns if we can digitize the records. Since the NRA doesn't want this to be a government run database I suggest that this database be spread out among all insurance companies. Everyone who buys a gun or ammunition must show proof of insurance for the gun. That insurance could simply be similar to liability insurance for a car. When you operate a car legally and properly there is still the risk you will cause damage and harm to others. Likewise with a gun.
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05-26-2018, 09:20 PM | #53 | |
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The difference is that when you buy car insurance that is for your car, not to cover someone else's car or someone else's property. It does not really make sense to take out an insurance policy for "my gun" which covers "some school". That's not how insurance works and cannot work because school incidents cannot be viewed as accidents. |
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05-27-2018, 07:05 AM | #54 | |
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05-27-2018, 07:35 AM | #55 | |
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I’m not crazy about the idea of fortifying our schools - seems like a bit of a knee jerk reaction. Research what is really injuring or killing our youth - it might make sense to tackle that first. If this system of insurance was in place, how many of those 23 school shootings would have been stopped anyway?
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05-27-2018, 02:20 PM | #56 | |
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Yes there is a "right to bear arms" there is also a right for children to be safe in school from guns.
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05-27-2018, 02:24 PM | #57 | |
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As for "fortifying schools" we have already done that in NYC. All of our doors have alarms if they are opened except for the front door, kids have to pass through metal detectors and six cops. If you had this set up in any of the schools where there was a shooting this year it is doubtful any shooter would have gotten past the lobby of the school.
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05-27-2018, 03:14 PM | #58 | |
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How so? I am familiar with tax, insurance and gun laws. I know that insurance does not cover intentional or criminal acts which is why this is unworkable and why insurance companies will never agree to it. Based on your reply to ZNP, it seems you are a skeptic about the insurance idea as well. Insurance companies will fight with all they have to not be forced to cover intentional or illegal acts and then be responsible for all the additional work that goes with it that would make them more like an intelligence agency than insurance. There is nothing in ZNP's ideas that could not be implemented without insurance companies, it seems that ZNP is suggesting them because they seem best suited for the job but there are other ways - change the 2nd Amendment ("Amend the amendment"), make it a privilege not a right, introduce strict gun controls, also implement the surveillance and intelligence /data gathering technology that ZNP is talking about, implement changes to insurance as well and maybe a "gun tax". But it's not all about insurance and that is not how other countries have solved this problem. America's problem is not unique to America, and what works in other countries will work, guaranteed. Perhaps the insurance idea is a means to achieving changes to the 2nd Amendment - once people get used to the idea of living under strict laws and insurance, the "right" will have become a privilege anyway, but I don't see it as a long-term solution. |
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05-27-2018, 03:18 PM | #59 | |
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School safety is not a right. Driving is not a right, it is a privilege requiring registrations, insurance, inspections, licenses, etc.
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05-27-2018, 07:25 PM | #60 | |
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Did I understand you to say that the right to own a gun trumps the right of any kid to be safe in school?
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05-27-2018, 07:27 PM | #61 | |
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05-27-2018, 09:49 PM | #62 | |
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For example this does not make sense to me: "this insurance be paid for by everyone that owns and/or uses a gun". Terrorism insurance would normally be paid for by the property owner themselves. It seems unfair to expect a school's insurance to be paid for by others and not the school (this is more like a government school levy or school tax), and a perpetrator may not have enough money or assets to pay the victims. Insurance companies make money from selling insurance to property owners, not from recovering money from perpetrators because perpetrators may not be able to pay. The insurance company may even cancel the debt owed by the perpetrator if they can show financial difficulty. So this is not really a deterrent to the perpetrator. Rather, the insurance costs will rise for those who want insurance cover, to cover the insurance company in the event that the perpetrator cannot pay. |
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05-28-2018, 04:21 AM | #63 | |
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Explain to me what is the "right" of any kid to be safe in school? This morning I heard that in one study only 10% of students feel safe in school.
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05-28-2018, 10:58 AM | #64 | |
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Never once have I suggested that this cost is somehow a deterrent to the perpetrator. Please try to keep up. The value in this is as follows: 1. Victims are fully compensated for their loss and/or costs. 2. We now have a billion dollar industry that is financially invested in seeing that guns become more safe for society. This industry can counterbalance the lobbying of the NRA. 3. We also get access to computerized records of all guns helping us to solve crimes that are committed with guns. Removing criminals from the streets makes them safer, that is a proven fact that we have seen over the last 50 years as forensic science has improved our conviction rate of guilty people.
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05-28-2018, 11:01 AM | #65 | |
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The right to bear arms is qualified with the term "a well regulated militia". It is not well regulated when this "militia" walks into schools and shoots them up. If the "militia" is not the ones doing the shooting then they have no right at all to bear arms. "Free speech" is regulated -- we have laws against hate speech and slander. The "right to feel safe in school" in this context is the right to assume your child will not be shot up by some idiot with an AR15 while in school.
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05-28-2018, 01:31 PM | #66 | |
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I never felt safe sending my children to public schools. My father felt the same way about public schools, but ironically I did not "feel safe" around my father. Public schools and school buses are just not "safe" places. For many public school systems racial integration has destroyed their safety. This world is just not a safe place. Many couples have decided not to have children because of the dangers they face. Children have a "right" to a public school education, but "feeling safe" is not a guaranteed right. You live in NYC Queens. It is a target of terrorists and MS-13 gangs. If you want to "feel safe" you should perhaps move to someplace "safer."
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05-28-2018, 02:29 PM | #67 | |
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There have been multiple laws concerning cars for the express purpose of making them safer. We have these changes because people were not willing to be told "hey if you don't like it you can leave". There is no guarantee to life, but that doesn't mean we shouldn't respond to known dangers. As for the dangers of living in NYC: Violent crime in New York City has been dropping since the mid-1990s and, as of 2017, is among the lowest of major cities in the United States. In 2017, there were 290 homicides, the lowest number since the 1940s. According to a 2015 ranking of 50 cities by The Economist, New York was the 10th-overall-safest major city in the world, as well as the 28th-safest in personal safety. In contrast to NYC, Cleveland is ranked as one of the 11 most dangerous cities in the US. (https://www.usnews.com/news/slidesho...ities?slide=12), perhaps living in such a dangerous place has confused you about the rest of the US.
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05-28-2018, 05:08 PM | #68 | |
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But a side effect of any increase in cost for all gun owners is that poor people will not be able to afford protection. So personal and property protection by firearm becomes a privilege not a right, as it is in most countries of the world. The tax would need to be graded based on income. |
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05-28-2018, 06:47 PM | #69 | ||
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05-28-2018, 07:19 PM | #70 | |
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05-28-2018, 08:26 PM | #71 | |||||
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05-29-2018, 05:07 AM | #72 | |
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Surely you also envision this making all of the national news, outrage on the floor of the house and senate, as well as "I told you so" from the NRA, thus threatening their billion dollar market which just opened up? I don't think that you have any idea what you are talking about. I have talked to those who work in insurance and they love an opportunity to pay a claim, they say it is the best marketing and sales of their services. Insurance companies don't make money by stiffing people who then sue and have sympathy from every corner of the world. They make money by employing the best mathematicians in the world to calculate risk and determine what they need to charge to make money.
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05-29-2018, 05:17 AM | #73 | |||
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Also, after the recent scandal with Uber in which many, many women accusing the drivers of sexual assault, accusations that had been covered up, wouldn't many people prefer being picked up by a computer operated car? Also, how about you? If you are driving down the highway would you rather have 18 wheelers being driven by exhausted drivers coming cross country trying to make up time, or would you rather have a driverless truck programmed to drive 20x's safer and not experiencing fatigue? Quote:
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05-29-2018, 06:15 AM | #74 | |||
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I'm sure the Teamsters Union would be insulted by your disparaging remarks. Quote:
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05-29-2018, 07:38 AM | #75 | |||
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Re: Making Guns safe for society
You did. You said they were getting us stoned.
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Rain Man was not disparaging bus drivers when he said that trains were safer. Pretty soon cars will be as safe as trains. Quote:
Likewise, I do not believe that the US acting as a haven for refugees is the cause of gang members joining a gang or for terrorists trying to infiltrate the country. Instead I am for reasonable regulations that would make us safe. Surely there are ways to profile would be terrorists or those most likely to become terrorists. I am all for using those tools. Likewise we have the tools to combat gangs. How do they operate? For the most part they form as a way to offer protection to local businesses, i.e. extortion. Now that we have cameras everywhere and insurance we can easily identify and prosecute these people. 100 years ago they could bust up a store and set it on fire, today they are caught and convicted and the insurance fixes the store. This takes away a major source of revenue. Second, these gangs make money through drug and gun trafficking. I am all for shutting down those avenues. My suggestion for insurance would be a major blow to them. If every gun has digitized records we could immediately identify guns used in crime and trace the path the gun took from manufacturer to street thug. This allows us to shut down the gun trafficking network. Legalizing pot is a crippling blow to these gangs, removing it from the black market. Drug trafficking requires a large network, i.e. when you catch them you can use RICO laws to bankrupt them. If they use telecommunications we catch them, if they don't they have already returned to the stone age.
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05-29-2018, 02:38 PM | #76 |
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Re: Making Guns safe for society
Detour -- making guns safe includes worrying about gangs and terrorists. So some may not be aware of our current capability.
Suppose we have a picture of a suspect in a crime, something we will always have with street gangs in cities. Using facial recognition software we now have the ability to identify this same person should they show up on any government camera anywhere in the world. You cannot drive on the highway, take a bus or airplane without that happening. There is literally no way to leave a crowded metropolis except in the trunk of a car. This is also true of trying to hunt down suspected terrorists who have gotten into the country. Gone are the days of wanted posters at the Post office. When a gun is fired in NYC we can tell you when, where and what caliber. Since the city is blanketed with cameras we can also identify cars and people in the area for an hour prior to the shot fired and for an hour afterwards. So all this noise about gangs, they are like dinosaurs one day after the meteor struck, they are already extinct, just don't know it yet. Likewise with terrorists. They may move in anonymity in their country, but not ours. Every time there is a terrorist attack, pretty much anywhere in the world, our forensic teams go in and collect fingerprints, DNA, anything that can help identify these people. We create databases and try to make files with pictures of everyone in the group. Since 911 how many terrorist attacks in the US? Doesn't it seem odd that there are so few? (23 shootings at schools this year, yet 0 terrorist attacks in the US during same time). Many of these are stopped but they don't want publicity or trials because it would reveal our capability to these terrorists. One common thread of most of these school shootings is that these kids post stuff on social media that after the fact seems to be a very loud warning. As we get up to speed on this these "alarm bells" will not be missed but acted on prior to the attacks.
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05-29-2018, 04:17 PM | #77 | ||
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Insurance company's not paying after well-known and widespread natural disasters and medical claims is a common problem and denying the true cost of expenses incurred. Or, delaying the payments for months or years which has similar effect to not paying. Your idea makes it worse because a) insurance is compulsory and b) insurance is a key part for the whole system to work. Quote:
Here is what a lawyer website says: https://www.joelhschwartz.com/newsle...t-you-to-know/ Despite their clever and even humorous commercials, insurance companies are not truly on your side. They are in business to make a profit, which means they are anything but eager to pay compensation to people who have been injured in accidents caused by another person’s negligence. Insurance companies want to pay out as little compensation as possible. They often attempt to reduce an injury victim’s compensation by challenging the person’s expenses. If your ideas are implemented, just wait and see what the insurance companies will do: - deny full compensation by arguing expenses not as large as claimed - try to get the school to admit fault by, for example , "not locking the front gate". - deny claims on the basis of technicalities e.g. "gang" - not a gang unless more than 50 people, "terrorist" - not a terrorist unless they are wearing a turban and shouting Allu Akba. They could even argue that bullets passing through a door are not covered ("the victim was shot by the door not the shooter outside who they couldn't prove was there"), that there must be no object between the shooter and the victim. I'm exaggerating of course but real life cases are not too different to these hypotheticals - insurance is not based on common sense but carefully crafted wording and legal-speak. Every year they can change the wording just a little bit to remove coverage bit by bit, that's another thing they do with medical insurance. Also what insurance companies do is use genetic testing to deny coverage. |
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05-29-2018, 05:42 PM | #78 | |
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Re: Making Guns safe for society
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Just to put this in perspective, a shooting with a reasonable liability of $20 million might instead only get $10 million because of savy insurance litigators quibbling over the fees. Somehow in your mind that $10 million is much worse than what the victims now get which is $0. Again, you miss the entire point because if the point was the payout that would not in any way make society safer for guns, but rather "compensated for guns". My point is that nothing is ever done politically concerning making guns safer for society because the NRA is a big lobbyist with no one to balance them out. I want to "draft" the Insurance industry to counteract the influence of the NRA. The Gun industry makes $6 billion a year, none of these special interest groups can compete with that. By contrast the insurance industry makes $1.2 trillion a year. They will school the NRA. And your point that the insurance industry tries to avoid payouts only makes my point. The minute they are invested financially in seeing fewer payouts they will then lobby to see that happen. Fewer victims, fewer shootings equal fewer payouts. So their financial interests align with my interest to see that guns are made safe for society. Their litigators might be able to reduce payouts, but if you eliminate the shootings then you have 0 payout and that is better by far than the legal costs and PR costs of not paying shooting victims a fair settlement.
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05-29-2018, 07:46 PM | #79 | |
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Re: Making Guns safe for society
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05-30-2018, 04:56 AM | #80 | |
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Re: Making Guns safe for society
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Improved vehicle designs and safety technology have a lot to do with the continuing decline in fatality risk. In a related study, Institute researchers estimated how much of the decline was due to changes in the vehicle fleet during 1985-2012. They found that vehicle changes — including improved structural designs, the addition of safety features and an evolving mix of vehicle types — were the main source of declining risk from 1993 through 2006. These changes continued to contribute to later declines as well, though other factors such as the weak economy also appear to have played a role. There were 7,700 fewer driver deaths in 2012 alone than there would have been had vehicles remained the same since 1985. The latest death rates by make and model confirm the rapid pace of improvement. Among 2011 models, there were 28 driver deaths per million registered vehicle years through the 2012 calendar year, down from 48 for 2008 models through 2009 (http://www.iihs.org/iihs/sr/statusreport/article/50/1/1) These improvements were made by the manufacturers. But it is the insurance industry which gave the motivation: 1. Reduced insurance rates are a factor in car buyers decisions. 2. Safety ratings are a factor in car buyers decisions. 3. Laws requiring seat belts and air bags are a result of lobbying by the insurance industry. 4. Laws requiring insurance have helped get unsafe drivers off the road for good. We now have more cars than ever on the road and yet the road is safer than ever. I think most of us would agree cars are better than ever, and who is against the improved safety features? Many of these newest features don't just keep us alive, they prevent the accident from taking place.
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05-30-2018, 06:00 AM | #81 | |
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Re: Making Guns safe for society
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So the equivalent example for guns would be that insurance can make guns less likely to explode or misfire, and make it safer for the gun user. But it still doesn't make it safer for anyone else. And a gun owner is not going to be buying a gun based on its safety rating for other people "I'd like to buy the safest gun I can please, I don't want to hurt anyone too badly". A better approach to make cars safer for everyone would be to enforce power limits, and size limits, and network them together in a cooperative way. If everyone drove a small low powered car the roads would be safer. Small networked electric vehicles will be the future in driverless technology, as you get the safety and efficiency (economic and environmental). They are already trialing networked driverless taxis in Singapore. Equivalently, every person can be allowed one gun which is networked to a database and tightly controlled. If the network detects that the gun will be used for illegal purposes then the gun can be automatically jammed by the network computer intelligence before the illegal act takes place. |
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05-30-2018, 07:02 AM | #82 | ||
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Re: Making Guns safe for society
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05-30-2018, 03:49 PM | #83 | |
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Re: Making Guns safe for society
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05-31-2018, 05:45 AM | #84 | ||
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Re: Making Guns safe for society
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If you are talking about E-Z Pass we already have that. Saves money and saves a lot of time. I love it.
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05-31-2018, 01:10 PM | #85 |
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Re: Making Guns safe for society
All of this new technology protects the innocent.
One might be concerned that the abuse of this power could be scary in the hands of the govt. The problem with that is that this "power" is in the hands of thousands within the govt whereas it is likely that the abuse of this power would be perpetrated by a very few. Imagine how difficult, if not impossible it would be for a corrupt Sheriff in some small Southern town to frame an innocent person (something that happened frequently a hundred years ago). 1. Your cell phone keeps a record of everywhere you are, both time and place. 2. When you drive it is estimated that your photo is taken dozens of times on a typical trip. 3. Whenever you use a credit card you have a date and time of the transaction and very often a picture of the person using the card. 4. EZ pass is another example of having the date and time of your location. 5. If you made a phone call, or text, or took a picture during the time they are trying to frame you that could completely expose them. These records are stored on a large number of databases, not simply in a single government agency, but several agencies as well as private companies. Your phone records would be with your carrier. Your credit card records with that company. Cops are recording your license plate with a date, time and location stamp. Cameras can be recording you from both govt and private databases. It is far beyond the scope of virtually anyone to try and fix all of these. Even if someone, say in the CIA, did try to fix all of these the chances that they missed a couple of critical ones is very big. you would need a decent lawyer, but the cost to search these databases and other logs would not be very expensive. So although you might fear that the "govt" is getting too powerful that is not a very well thought out position. Suppose the President wanted to frame someone. He isn't going to go in and change the databases, so he'll have to ask someone to do it for him, who in turn will order subordinates to do the fixing. Already you have four or five people who know the fix is in, and as you have to approach private companies the net of those who know about this widens. No one likes to cover up someone else's crime, so the motivation is not there, the possibility that one of these people leaks the evidence to the press is there, and the possibility that they overlook something is there, and finally the possibility that they are unable to completely cover it up is there.
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05-31-2018, 05:20 PM | #86 | |
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Re: Making Guns safe for society
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With guns, the gun won't work near schools or hospitals for example as it will have a GPS activated safety. The gun safe will not unlock unless the owner ID matches the gun ID. etc |
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05-31-2018, 06:39 PM | #87 |
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Re: Making Guns safe for society
I think many gun owners would like it that their gun won't work unless the owner is using it. That would have saved the parents of a number of these kids involved in school shootings the heartache.
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06-01-2018, 05:42 AM | #88 |
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Re: Making Guns safe for society
Cell phones have facial recognition. Guns too?
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06-01-2018, 06:04 AM | #89 |
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Re: Making Guns safe for society
Cell phones also have fingerprint recognition, likewise you could need a 3 number code like a lock. There are many ways they could do this. I understand why many people resist this as a blanket law, but don't understand why this is not a more frequent option. If your gun is in your safe you have to take a minute to get it, it would only add a few more seconds to put in the three number code. It would be a non issue for hunters, sportsmen, or those who are simply like to target shoot. Since most gun owners own several guns it seems reasonable to have most of them protected this way even if one hand gun for self defense is not. Also, if you were required to have liability insurance this would probably give you a significant savings that would allow this feature to pay for itself.
Most of these school shootings involve kids taking their parents guns. Surely every parent would want to protect against this. It wouldn't have made a difference with some of the shootings, but it would have with many of them. There are other possible ways that guns in the future could be "fixed". You can put a little computer in your car that monitors your driving in exchange for a discount. Likewise you could put a gps in your gun that could remotely disable it. Suppose the parents realized their kid had taken the gun to school. They could disable the gun before the kid begins shooting. Obviously this would be an optional feature but you could see why someone might want this. Police might see the Facebook post an hour before the shooting, enough time to contact the parents and disable the gun. Evangelical said that the insurance would not pay the liability to the parents of a teenager that shot up a school. However, if schools were insured against "terrorism" you could see why they would be willing to give a discount for this feature. They won't be paying the family, they'll be paying the victims through the school's insurance.
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06-08-2018, 08:47 AM | #90 |
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Re: Making Guns safe for society
Since there was quite a bit of misunderstanding expressed on this thread let's summarize:
1. Every school should be required by law to have insurance against school shootings so that all victims can be properly and fairly reimbursed. This insurance would be very similar to terrorism insurance. Benefits: the insurance company would now be financially incentivized to reduce the frequency and cost of these attacks. This could include reducing the premium on the policy if schools have metal detectors, security, and other safety measures. Schools are using various programs for resolving conflict and dealing with bullies. Insurance companies could be critical in making these standard. Insurance companies could also be scanning social media for red flags and warnings of possible attacks. 2. Legislation should be passed that taxes all gun and ammo related purchases with the purpose of paying for this insurance. I estimate the cost of this to be about 5% of all these purchases. This would be similar to a gas tax or cigarette tax or toll booths on roads. Since we now have the insurance industry, an industry which is about 20 times the size of the gun manufacturers we should have a powerful ally as a lobbyist to push this legislation through. 3. Every gun owner should have liability insurance. This could be a very minor expense, especially if they have a record of safe use of the gun and if they have a gun safe, etc. This is a huge benefit for two reasons. First, in the event of a crime police could subpoena digital records with ID for guns. Currently we have hundreds of millions of these records kept on paper and are useless to police. Doing a digital search could identify the gun used in a crime in a matter of minutes. In addition to helping convict the shooter it can also help shut down the illegal gun dealers who sell to criminals. Second, whenever a gun owner makes a purchase the insurance company would be notified and their computer algorithm could identify an issue before the person even leaves the store. We would have certainly flagged the millionaire with 20+ machine guns, or the shooter at the theater with all of his equipment. 4. Once the insurance industry is fully invested in this process we can expect many improvements in the safety of guns for society. Locks on guns that would make them less likely to be used by a thief (just like smart phones). GPS tracking. Computerized tracking of purchases. Quicker resolution of gun crimes with criminals being convicted and removed from the street, etc. And we will have a very large ally in the battle with the NRA for lobbying through legislation.
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