No but that smoker will pay higher premiums on their insurance because they smoke. I get a discount because I don't smoke...
Well smoking is 100% proven to be hazardous to a person's health, 100% of the time. Insurance companies know this and adjust their rates accordingly, they are, after all, trying to make a profit.
Guns have not been proven to be life threatening 100% of the time. Obviously they CAN be used destructively, they are firearms after all.
But as Kable24 has pointed out, there are MILLIONS of American gun owners and very very few incidents like this one in Colorado or other gun violence from legal gun owners (which, in fact, Holmes was).
The vast majority of gun violence (speaking from experience in my own city) is caused by tried and true criminals that are not authorized to legally purchase a firearm.
So, I think the smoking thing is not a good comparison.
On the flip side, car insurance (again, in Georgia) is required for all vehicles by law. Now, obviously cars can also be deadly, but most of the time they are not. I assume that someone crunched some numbers and decided that enough of a % of people will have a car accident in their lifetime, therefore car insurance is mandatory here and people need to be "protected." Thousands drive around every day without insurance, but they are in violation.
I dont have statistics to back this up at the moment, but once again, the gun violence chance is much lower than the chance of having a wreck. So while I am not necessarily AGAINST some sort of insurance for gun ownership, the original proposition about owners simply paying a portion of the original price is not a good idea.
Also, I would like to know what this insurance does. Does it assist with medical bills for anyone accidentally injured by the firearm? Intentionally injured? Both? neither?
Will it protect the gun owner if his gun is stolen, like property insurance?
I may not be understanding your point. If so, please clarify for me.
Either way, legal gun owners paying for some sort of gun ownership insurance wont stop a determined mad man from getting ahold of a weapon and harming others.