Illinois House Bill 687 - manditory insurance polocies on illinois gun owners

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Illinois legislators might have discovered a new way around the pesky Second Amendment to the Constitution of the United States: require gun owners to purchase insurance so prohibitively expensive that they might give up their firearms.

Because Illinois resident are required to have a “Firearm Owner’s Identification Card” (FIC) to possess shotguns, rifles and handguns, the state knows who the gunowners are. What Rep. Kenneth Dunkin (D-Chicago) proposes in House Bill 687 is that each of those licensed gun owners be required to purchase $1 million worth of liability insurance.

Dunkin’s bill also would direct the Department of the State Police, which administers the FIC program, to revoke and seize the firearm owner ID cards from anyone who does not supply proof of the liability coverage to the agency. In addition, the bill stipulates that current licensed gun owners are the owners of record until and unless they report any stolen or missing firearms to local law enforcement offices. In other words, even if he is no longer in possession of a gun, the owner of record would be liable for any crimes committed with the firearms, or any accidents that occur through their use.
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This is nuts... yet another crappy Illinois bill that tries to take guns from the law abiding citizens.
 
Can't see this passing or being upheld by courts. What's next, free speech insurance?
 
whats wrong with free speech insurance?

you may say something that is offensive to someone else and will emotionally damage them.

/sarcasm
 
Here is the current text of the bill:
http://www.ilga.gov/legislation/ful...um=687&GAID=10&LegID=41158&SpecSess=&Session=

96TH GENERAL ASSEMBLY
State of Illinois
2009 and 2010
HB0687


Introduced 2/6/2009, by Rep. Kenneth Dunkin


SYNOPSIS AS INTRODUCED:

430 ILCS 65/4.5 new
430 ILCS 65/8 from Ch. 38, par. 83-8

Amends the Firearm Owners Identification Card Act. Provides that any person who owns a firearm in this State shall maintain a policy of liability insurance in the amount of at least $1,000,000 specifically covering any damages resulting from negligent or willful acts involving the use of such firearm while it is owned by such person. Provides that a person shall be deemed the owner of a firearm after the firearm is lost or stolen until such loss or theft is reported to the police department or sheriff of the jurisdiction in which the owner resides. Provides that the Department of State Police shall revoke and seize a Firearm Owner's Identification Card previously issued under this Act if the Department finds that the person to whom such card was issued possesses or acquires a firearm and does not submit evidence to the Department of State Police that he or she has been issued in his or her name a liability insurance policy in the amount of at least $1,000,000 specifically covering any damages resulting from negligent or willful acts involving the use of such firearm while it is owned by such person. Effective January 1, 2010.


LRB096 05754 RLC 15825 b


FISCAL NOTE ACT MAY APPLY





A BILL FOR


HB0687 LRB096 05754 RLC 15825 b

1 AN ACT concerning firearms.

2 Be it enacted by the People of the State of Illinois,
3 represented in the General Assembly:

4 Section 5. The Firearm Owners Identification Card Act is
5 amended by changing Section 8 and by adding Section 4.5 as
6 follows:

7 (430 ILCS 65/4.5 new)
8 Sec. 4.5. Firearm owner's liability insurance required.
9 (a) Any person who owns a firearm in this State shall
10 maintain a policy of liability insurance in the amount of at
11 least $1,000,000 specifically covering any damages resulting
12 from negligent or willful acts involving the use of such
13 firearm while it is owned by such person. A person shall be
14 deemed the owner of a firearm after the firearm is lost or
15 stolen until such loss or theft is reported to the police
16 department or sheriff of the jurisdiction in which the owner
17 resides.
18 (b) This Section does not apply to any person who is not
19 required to possess a Firearm Owner's Identification Card in
20 order to acquire or possess a firearm or firearm ammunition
21 under subsections (b) and (c) of Section 2 of this Act.

22 (430 ILCS 65/8) (from Ch. 38, par. 83-8)




HB0687 - 2 - LRB096 05754 RLC 15825 b

1 Sec. 8. The Department of State Police has authority to
2 deny an application for or to revoke and seize a Firearm
3 Owner's Identification Card previously issued under this Act
4 only if the Department finds that the applicant or the person
5 to whom such card was issued is or was at the time of issuance:
6 (a) A person under 21 years of age who has been convicted
7 of a misdemeanor other than a traffic offense or adjudged
8 delinquent;
9 (b) A person under 21 years of age who does not have the
10 written consent of his parent or guardian to acquire and
11 possess firearms and firearm ammunition, or whose parent or
12 guardian has revoked such written consent, or where such parent
13 or guardian does not qualify to have a Firearm Owner's
14 Identification Card;
15 (c) A person convicted of a felony under the laws of this
16 or any other jurisdiction;
17 (d) A person addicted to narcotics;
18 (e) A person who has been a patient of a mental institution
19 within the past 5 years or has been adjudicated as a mental
20 defective;
21 (f) A person whose mental condition is of such a nature
22 that it poses a clear and present danger to the applicant, any
23 other person or persons or the community;
24 For the purposes of this Section, "mental condition" means
25 a state of mind manifested by violent, suicidal, threatening or
26 assaultive behavior.




HB0687 - 3 - LRB096 05754 RLC 15825 b

1 (g) A person who is mentally retarded;
2 (h) A person who intentionally makes a false statement in
3 the Firearm Owner's Identification Card application;
4 (i) An alien who is unlawfully present in the United States
5 under the laws of the United States;
6 (i-5) An alien who has been admitted to the United States
7 under a non-immigrant visa (as that term is defined in Section
8 101(a)(26) of the Immigration and Nationality Act (8 U.S.C.
9 1101(a)(26))), except that this subsection (i-5) does not apply
10 to any alien who has been lawfully admitted to the United
11 States under a non-immigrant visa if that alien is:
12 (1) admitted to the United States for lawful hunting or
13 sporting purposes;
14 (2) an official representative of a foreign government
15 who is:
16 (A) accredited to the United States Government or
17 the Government's mission to an international
18 organization having its headquarters in the United
19 States; or
20 (B) en route to or from another country to which
21 that alien is accredited;
22 (3) an official of a foreign government or
23 distinguished foreign visitor who has been so designated by
24 the Department of State;
25 (4) a foreign law enforcement officer of a friendly
26 foreign government entering the United States on official




HB0687 - 4 - LRB096 05754 RLC 15825 b

1 business; or
2 (5) one who has received a waiver from the Attorney
3 General of the United States pursuant to 18 U.S.C.
4 922(y)(3);
5 (j) A person who is subject to an existing order of
6 protection prohibiting him or her from possessing a firearm;
7 (k) A person who has been convicted within the past 5 years
8 of battery, assault, aggravated assault, violation of an order
9 of protection, or a substantially similar offense in another
10 jurisdiction, in which a firearm was used or possessed;
11 (l) A person who has been convicted of domestic battery or
12 a substantially similar offense in another jurisdiction
13 committed on or after January 1, 1998;
14 (m) A person who has been convicted within the past 5 years
15 of domestic battery or a substantially similar offense in
16 another jurisdiction committed before January 1, 1998;
17 (n) A person who is prohibited from acquiring or possessing
18 firearms or firearm ammunition by any Illinois State statute or
19 by federal law;
20 (o) A minor subject to a petition filed under Section 5-520
21 of the Juvenile Court Act of 1987 alleging that the minor is a
22 delinquent minor for the commission of an offense that if
23 committed by an adult would be a felony; or
24 (p) An adult who had been adjudicated a delinquent minor
25 under the Juvenile Court Act of 1987 for the commission of an
26 offense that if committed by an adult would be a felony.




HB0687 - 5 - LRB096 05754 RLC 15825 b

1 The Department of State Police shall revoke and seize a
2 Firearm Owner's Identification Card previously issued under
3 this Act if the Department finds that the person to whom such
4 card was issued possesses or acquires a firearm and does not
5 submit evidence to the Department of State Police that he or
6 she has been issued in his or her name a liability insurance
7 policy in the amount of at least $1,000,000 specifically
8 covering any damages resulting from negligent or willful acts
9 involving the use of such firearm while it is owned by such
10 person.
11 (Source: P.A. 95-581, eff. 6-1-08.)



12 Section 99. Effective date. This Act takes effect January
13 1, 2010.

I don't see the General Assembly moving any more on gun control in the immediate future, but it's worth watching. With the state 9 billion in debt and current members of the legislature liable to be indicted if Blagojevich sings they have bigger fish to fry. Let's not forget the public hatred of Chicago by the rest of the state is the highest I've seen it in my lifetime. No need to panic just yet.
 
1) I am not an underwriter or insurance specalist.

2) My understanding of insurance is that you cannot get insurance for an intentional act. Accidently shoot someone, yes. Purposely shoot someone I do not think so.

3)
a policy of liability insurance in the amount of at
11 least $1,000,000 specifically covering any damages resulting
12 from negligent or willful acts involving the use of such
13 firearm while it is owned by such person.

4) Seems to me (as always I could be wrong) that this bill requires you to purchase something you cannot obtain.

NukemJim
 
That's the same amount of liability I had to pay if I wanted to land at the OSU airport back in the '70~80's.
 
Sounds like IL should implement a requirement that voters carry insurance, in case they put the wrong morons in office......
 
Budget woes will no longer have to overshadow other issues.

Beseeching the feds to let them spend more money one year, begging for a bailout the next -- is what passes for long-term budgeting in many state capitals.

Unfortunately, more federal aid all but guarantees they won't use the current crisis as an opportunity to put their fiscal houses in order -- setting the stage for worse problems to come.
 
And people wonder why I am always trying to get enough guys with jackhammers together to cut Chicago off into Lake Michigan.....
 
wow... well what else could you expect from IL? Something tells me there's going to be some kind of lawsuit i that passes
 
It would be an unreasonable infringement on a right (arent they all). If incorporation happens, it would get struck down. This is in the same league as poll taxes, designed to keep the poor from owning guns without going after guns themselves, and also, without affecting most politicians.

That being said, I agree that it probably is DOA, but wouldnt hurt to keep an eye on it.
 
Y'all are missing the best part.
IT DOESN'T APPLY TO CRIMINALS AND ILLEGALS. As long as you are posessing a firearm illegally, it is ok to not have the insurance. We wouldn't want anyone actually entitled to collect on that insurance policy to actually be able to collect.


"18 (b) This Section does not apply to any person who is not
19 required to possess a Firearm Owner's Identification Card in
20 order to acquire or possess a firearm or firearm ammunition
21 under subsections (b) and (c) of Section 2 of this Act."
 
exactly. so if you illegally own a firearm (by illinois law) if you get caught you get in trouble for having the firearm, but not for not having insurance. wow...
 
...and if it passes everyone who has a FOID Registration will be a criminal unless they have Insurance. Law enforcement can go to your home, arrest you, and consficate your firearms.
WOW...they know where you live.
 
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When the Supreme Court ruled that marijuana laws were unconstitutional the Feds responded with the Marijuana Stamp Tax Act. In efffect you can not sell marijuana without a tax stamp. Of course you can not get a stamp because they do not sell them. So in the name of regulation of interstate trade a generation of felons were born.
If you support marijuana laws or not it is clear the federal government can and will do what ever it wants to obtain its goals. Like put an unobtainable tax or insurance policy on your favorite civil right.

:cuss:
 
This was on Glenn Beck this evening. He said that there is NO insurance company that offers such liability coverage. For intentional use of a gun!

You shoot a criminal, and his family has one million incentives to sue you. The insurance industry will never offer this!

In my humble opinion, that means the courts will either throw it out, or we will be living in a dictatorship.:fire:
 
If/When the 2A is incorporated, this bill will not survive judicial review. Before that, I still think it would be struck down, but the beauty of the law is that there's never a sure thing so what do I know.
 
It still has no co-sponsors. It's typical of the drivel that gets introduced by anti gun legislators in almost all states at the beginning of every session.
 
designed to keep the poor from owning guns

You nailed it exactly. This law would implicitly say that we only trust you to have a firearm if you have resources. How expensive will it be? How expensive *can* it be *someday*? Will only millionaires have guns?

What bothers me even more than the economic aspect is the attitude. I have to keep automotive insurance because road driving is a privilege, not a right. It can be regulated however they want.

I guess the fact that firearm ownership is listed in the bill of privileges doesn't make any nevermind.

I'll have to leave the country if they require me to have Bible insurance in order to keep a BOID card around...

-Jephthai-
 
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