Unsurprisingly, you show complete lack of understanding of how/why insurance works.

Insurance pools the risks from a large group of people and protects individuals within this group from large, but unlikely, liabilities they might incur.

Lets say you have X% chance to have adverse action happening in your life. This adverse action is a liability, if it involves others, then it is also your responsibility to others. In 1-X cases nothing happens, you pay into the insurance pool and see nothing back. So why do you pay? Because nobody could predict future and know who from this pool going to end up X and who 1-X.

In car insurance case - you are paying insurance to protect others from potential harm your actions could cause. If you are wealthy individual - you have an option to self-insure (demonstrate that you have enough money to cover any liability). Carrying insurance is your responsibility to society, because if you cause harm but do not have insurance, you are likely won't be able to adequately compensate for the harm you caused.

Now in your examples, there is no clear averse action that can result from it (e.g. lawn mowing isn't known for causing harm to others).

Guns are more like cars - there are many examples when irresponsible (or just unlucky) behavior can cause harm to others. It is reasonable that owners assume responsibility and purchase insurance.

In closing, stop freeloading of society, man up and pay for your toys. Your guns incur very real cost on society, it is unreasonable to ask others, especially gun-free people, to pay for irresponsible behavior or your fellow gun nuts. If everybody is responsible and law abiding gun owner, well then insurance will be dirt cheap.

Last edited by sini; 02/21/13 06:32 PM.
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