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Massachusetts considers gun insurance

– 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 buy 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 store their weapons.

“Insurance companies were able to discourage smoking through the marketplace and make cars safer through the marketplace,” said state Rep. David Linsky, the bill’s sponsor.

And insurers have more leeway than law enforcement in some cases, he said.

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 proper gun storage before writing a policy.

Officials at the National Conference of State Legislatures say to their knowledge no state has adopted a gun insurance requirement.

The idea is already meeting with resistance for gun rights advocates, who say it amounts to more regulation aimed at law-abiding gun owners.

Craig Baenziger, who works at a gun- and ammunition-seller in North Attleboro, Mass., called Northeast Trading Co., said requiring liability insurance for guns makes little sense because it targets people who buy the weapons legally instead of going after criminals.

“Insurance on your gun isn’t really going to decrease crime or accidents. Nobody shoots their friend on purpose. It’s not going to do anything,” Baenziger said. “It’s just a way to increase revenue for the state.”

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