As lawmakers cast around for ways to curb gun-related violence, some are hoping the insurance market might offer incentives.
A bill filed Friday in Massachusetts would require gun owners to purchase liability insurance in the event that a firearm is used to injure.
The insurance policies would give those injured by a weapon a legal recourse, backers of the bill say, but they also would create financial incentives that could reduce accidents and fatalities. Gun owners, for example, might see lower insurance rates if they agreed to take firearms-training courses and properly stored their weapons.
Insurers have more leeway than law enforcement in some cases, aid state Rep. David Linsky, the bill’s sponsor. Massachusetts already has gun-storage laws, but police cannot come into a person’s home without a warrant, Linsky pointed out. An insurance company, however, would be able to verify that there is proper gun storage before writing a policy.