Automobiles have to be insured. Why not guns?

If you own a gun you have to have insurance for any damage that weapon may cause. If you have more than one gun you need a policy for each one. 

If your son goes nuts your insurance will pay for it. 

You can still keep your gun. You can still wave it around like an idiot. You can still fire it. But now you are going to pay for the privilege. 

Different types of guns will require different coverage. If you want to have an automatic weapon which fires two hundred rounds a minute that will cost you more than a single shot .22    

Like an automobile accident your premium will go up every time you have a claim whether it's your fault or not. Let us be clear. There will still be insane rampages. Insurance is not going to stamp that out. But nor is anything else. This will not discriminate between good or bad gun owners. It will not discriminate between good or bad people. Insurance is designed to take money from everyone. 

Compliance could be ensured by access to the gun application database. It could also be attached to your home or car insurance. 

Unfair? Unreasonable? Well I haven't hurt anyone in my car but it still costs me two thousand bucks a year just to get into it. The NRA is always going on about responsible gun ownership so they should welcome it. 

An incident like Newtown will create a billion dollar lawsuit in which the owners, suppliers, importers, manufacturers and advocates will become defendants. Insurance companies will love this. They will provide an important ally for the legislation. The only people who will be offended will be the collectors with arsenals of assault weapons. Some may see this as an expansion of government. Perhaps. Think of it as like the Homeland Security Department only for children."