With complete Democratic control in New York, Governor Andrew Cuomo and his henchmen are at it again to make life even more difficult for gun owners. State Senate Bill S2857A has been submitted and is now making its way through the committee process. What is S2857A?
It would mandate that gun owners secure a $1,000,000 liability policy. The insurance law is amended by adding a new section 2353 to read as follows:
§ 2353. FIREARM OWNERS INSURANCE POLICIES. 1. ANY PERSON IN THIS STATE WHO SHALL OWN A FIREARM SHALL, PRIOR TO SUCH OWNERSHIP, OBTAIN AND CONTINUOUSLY MAINTAIN A POLICY OF LIABILITY INSURANCE IN AN AMOUNT NOT LESS THAN ONE MILLION DOLLARS SPECIFICALLY COVERING ANY DAMAGES RESULTING FROM ANY NEGLIGENT OR WILLFUL ACTS INVOLVING THE USE OF SUCH FIREARM WHILE IT IS OWNED BY SUCH PERSON. FAILURE TO MAINTAIN SUCH INSURANCE SHALL RESULT IN THE IMMEDIATE REVOCATION OF SUCH OWNER’S REGISTRATION, LICENSE AND ANY OTHER PRIVILEGE TO OWN SUCH FIREARM.
Injury and death by gun has (sic) increasingly become a problem in U.S. and in New York State. In the wake of recent mass shooting incidents in Aurora, Colorado and Newtown, Connecticut; there has been a nationwide attention on gun control and public safety.
According to FBI Crime Report, there were 445 firearm murder in New York in 2011 and 517 firearm. murder in 2010. However, there is little attention on the economic impact these shootings have on the victims and their families.
This legislation establishes and requires gun-owners to obtain and maintain liability insurance policy prior to such ownership. By having this insurance, policy in place, innocent victims of gun-related accidents and violence will be compensated for the medical care for their injuries.
In such cases where the gun was stolen, the original owner is typically not liable unless the weapon was stolen through negligence on the part of the owner.
This insurance policy will also serve as an incentive for firearm owners to implement safety measures in order to conduct the activity as safely as possible and only when necessary.
Sadly, I predict this bill, which will present a barrier to gun ownership that will disproportionately impact New York’s lower income citizens, will reach Governor Soprano’s desk and be signed into law.