[quote=livinincali]
What would be the requirements to get paid in a gun liability case. Does the weapon need to be recovered. Does the weapon need to have gun liability insurance on it. How many murders per year are committed by nice law abiding citizens that register their guns and pay gun liability insurance. What problems does mandatory insurance solve vs the ones it creates.

Let’s take the Sandyhook case and apply what gun liability insurance would do. Presume Lanza’s mother is paying her liability insurance. Does the liability insurance pay for the victims of of Sandyhook. The weapons were stolen. Lanza killed his mother at which point it’s somewhat hard for her to be liable anymore. I would think the insurance company would fight pretty hard against paying off the claims and that’s a pretty clean example where you’ve recovered the weapons and know exactly what took place.[/quote]

Requirements to get paid in a gun liability case? Pretty much the same as in a car liability case. If your car is stolen, no coverage (and probably no liability). If the gun is used by the insured in the commission of a crime, no coverage. If you accidentally shoot someone in the foot, there’s coverage. If you intentionally shoot someone in the foot, no coverage.

Not being a gun owner, I don’t know for sure, but I suspect that gun liability insurance already exists, and is probably steeped with those kinds of exclusions and requirements. Maybe more.