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

[Dokkalfar]

dont worry bout that. if they start requiring you to register your bibles and korans and such, im sure the ACLU will step in to defend you!

 

[CoRoMo]

I just heard about this on the Glenn Beck radio show.

Sounds like just another way that the antis are testing the wall for weaknesses that they can focus on.

 

[Hawaiian]

We need a bill that requires all politicians to have a one billion dollar insurance policy to compensate the public for all the screw ups they make.

 

[Eustachius234]

"We need a bill that requires all politicians to have a one billion dollar insurance policy to compensate the public for all the screw ups they make."

+1

 

[MetalMan52]

Illinois

Hey BCCL,
Where do I sign up for the jackhammer detail? I'll even donate the jackhammer.

There isn't a lower form of life than a Chicago/Illinois politician. Oh, maybe, we now have one in the big house. His latest words of wisdom:

"We can't generate sustained growth without getting our deficits under control," Obama said in his weekly radio......

This is from the same idiot who has the treasury printing presses smoking from printing the "stimulus" money. It all sounds great, just what the folks want to hear but it's just more political double talk.

Perhaps some of the best spent money in the "stimulus package" would be a new federal prison in Illinois, we seem to be one of their best customers, our politician's home away from home.

Pardon my sarcasm, but I can't hardly take it anymore.
Pat

 

[MetalMan52]

Bill

Oh my god, I almost forgot. Call our latest senator, Mr. Burris and tell him what you think about this proposed bill. He may still be in office come Monday. Maybe, maybe not.
Pat

 

[gunNoob]

Just because someone has a FOID doesn't mean they own guns.

 

[Jdude]

Just because someone has a FOID doesn't mean they own guns.

The reverse is also true.

 

[Cyborg]

ACLU Involvement? Maybe, Maybe Not

if they start requiring you to register your bibles and korans and such, im sure the ACLU will step in to defend you!

Koran, very likely. Bible?? No frakking way! The day the ACLU does something to actually defend the 1A rights of Christians is the day I become a vegan. Ain't expecting it to happen any time soon.

Cyborg
My latest blog post:
http://www.resistnet.com/profiles/blogs/jackboots-lyric

 

[Deadheadted37]

First I will say I do not agree with this proposed law, but a million dollars of additional liability insurance is not that expensive. If it is for a gun(s), the premiums would be calculated by statistical data just like any other policy. It would a fraction of what you pay for auto liability insurance.

 

[swifteagle]

Deadheadted37 said:

First I will say I do not agree with this proposed law, but a million dollars of additional liability insurance is not that expensive. If it is for a gun(s), the premiums would be calculated by statistical data just like any other policy. It would a fraction of what you pay for auto liability insurance.

Actually you are SADLY mistaken. First of all, there is not a policy written on this green planet that covers all WILLFUL acts. Fire policies don't cover willful arson by policy holder. Life insurance policies don't cover willful suicide by the insured. Why do you think that is? Because it would be moronic to do anything otherwise.

This law requires insurance to cover ALL Willful acts. Only a moron would offer that insurance, and he would be bankrupt within the first week.

 

[Jeff White]

Still not one co-sponsor.

This is the fine piece of work that wrote this bill:

Representative Kenneth Dunkin (D)
5th District


Springfield Office:
278-S Stratton Office Building
Springfield, IL 62706
(217) 782-4535
(217) 782-4213 FAX
District Office:
1520 N. Wells
Chicago, IL 60610
(312) 266-0340
(312) 266-0699 FAX
Cook County

Years served: 2002 - Present

Committee assignments: Appropriations-Higher Education; Financial Institutions; Insurance; International Trade & Commerce; Juvenile Justice Reform (Vice-Chairperson).

Biography:


Associated Senator(s):

 

[crazy-mp]

dont worry bout that. if they start requiring you to register your bibles and korans and such, im sure the ACLU will step in to defend you!

I can see the Bible being registered, but not the koran, we cant discriminate against the muslims you know, they are the peaceful loving religion.

I am sure I am going to offend someone, but don’t write to me complaining about it, tell your congressman or senator, tell them you want freedom of speech removed, I sure they will be happy to oblige!

 

[Varminthound]

Too bad you cannot make politicians buy insurance for the harm they might do.

 

[wyocarp]

I don't think this is about guns at all. We already provide insurance companies with steady income by making it illegal to drive without insurance, but this will help them pay for the executives' salaries.

 

[Eustachius234]

They need something to rebuild their balance sheets with, thus they'll lobby with the latest political wind to hit Washington DC, at their backs.

 

[Master Blaster]

Actually you are SADLY mistaken. First of all, there is not a policy written on this green planet that covers all WILLFUL acts. Fire policies don't cover willful arson by policy holder. Life insurance policies don't cover willful suicide by the insured. Why do you think that is? Because it would be moronic to do anything otherwise.

This law requires insurance to cover ALL Willful acts. Only a moron would offer that insurance, and he would be bankrupt within the first week.
__________________

Actually YOU ARE WRONG.

Life insurance policies cover suicide which by definition is willfull/intentional or it wouldn't be suicide. My life insurance policy, written by Minnesota mutual life, has a delay clause that requires it be in force for 2 years before suicide is covered. That is typical for a life insurance policy. That avoids the moral hazard of somone taking out a policy and then killing themselves, 2 years provides a cooling off period.

What most policies exclude is an intentional illegal act, if you shoot somone in self defense and are arrested but acquitted then the policy covers it. If its in the course of a bank robbery committed by you, or the murder of a friend, its not covered. Currently the policy you would have to buy if this law were passed, would be a general liability policy, or an excess umbrella liability policy over your homeowners. My policy is an excess umbrella liability policy for $5 million, Liberty Mutual charges me $98 per year for this policy, and it covers anything excess of my homeowners liability, or my auto, or anything the other policies dont cover. Check with the NRA they have a policy availible IIRC, if you can't get anything else.

BTW I dont agreee with this law, but if you carry a gun you should know what your insurance covers.

Before you argue with me about this, I worked for a VERY LARGE INSURANCE CO FOR 20 YEARS, THE LAST 10 IN UNDERWRITING.

 

[emb]

Wow. This is insanity. Doing the same thing over and over again and expecting a different result. Fighting and reducing crime? Gun control just plain doesn't work to that end. All it does is disarm the folks who are least inclined to commit crimes.

Where does it leave the hunting, sportsman crowd? Most of the folks who do these types of activities have some type of insurance anyway. Our private range is insured through the NRA, our archery range through ASA, my hunting lease through (forgot), etc. And those are just the activities that directly involve firearms or other weapons.

Florida prohibits lawsuits where the use of deadly force is justified. It also prohibits criminal prosecution under the same circumstances. This law went into effect in 2006 amid screams that blood would run in the streets. Responsible gun ownership prevailed, and we don't hear the screams anymore. No blood running either. But the gang bangers-the criminals-have taken to killing each other rather than us.

This law makes no logical rational sense. The criminals will get guns and ignore the law just like they always have. But, then again why let facts get in the way of good argument. Because this is so nonnesensical, it makes you wonder if this is really their objective. What else could they be after?

I used to believe that California was weird. I'm just glad I don't live in Illinois.

 

[chuckusaret]

There is a reason to remove guns from the law abiding citizens. To become the USSA Obama must remove your means to stand up and fight his "Strong Civilian Force" in his journey to socialism. In just a few short weeks he has taken control of the banks, auto industry, the census department, 40% of the population that does not pay taxes, and most of the states thru the stimulus package. We are now a socialist nation and soon to be controlled by a form of a dictatorship. The next step Obama will take is to overturn the law that does not allow him to run for a third term. That will be the nail in the coffin of our capitalist economy.

 

[model67a]

Master Blaster

How about the clause concerning involvement in an altercation???

 

[swifteagle]

Master Blaster wrote:

Actually YOU ARE WRONG.

Life insurance policies cover suicide which by definition is willfull/intentional or it wouldn't be suicide. My life insurance policy, written by Minnesota mutual life, has a delay clause that requires it be in force for 2 years before suicide is covered. That is typical for a life insurance policy. That avoids the moral hazard of somone taking out a policy and then killing themselves, 2 years provides a cooling off period.

What most policies exclude is an intentional illegal act, if you shoot somone in self defense and are arrested but acquitted then the policy covers it. If its in the course of a bank robbery committed by you, or the murder of a friend, its not covered. Currently the policy you would have to buy if this law were passed, would be a general liability policy, or an excess umbrella liability policy over your homeowners. My policy is an excess umbrella liability policy for $5 million, Liberty Mutual charges me $98 per year for this policy, and it covers anything excess of my homeowners liability, or my auto, or anything the other policies dont cover. Check with the NRA they have a policy availible IIRC, if you can't get anything else.

BTW I dont agreee with this law, but if you carry a gun you should know what your insurance covers.

Before you argue with me about this, I worked for a VERY LARGE INSURANCE CO FOR 20 YEARS, THE LAST 10 IN UNDERWRITING.

For the sake of argument, let us assume you are correct that a policy could cover suicide after holding the insurance for 2 years. Let us also assume you are correct that a policy could cover a self defense shooting. What about suicide in the 1st 2 years? What about murder or other unjustified homicide? Both of those are willful acts, and would be required to be covered by this ill conceived law, however neither are covered by any type of insurance policy currently existing on this planet. I've called several insurance companies & they laughed out loud. If you know of an insurance company willing to cover those, please give me a name & contact so I can validate for myself.

You can't find one either?

I rest my case.

 

[testar77]

Here is the Glen Beck clip on it if anyone wants to watch it. Sorry in advance if it's already been posted.


http://www.foxnews.com/video/index.html?playerId=videolandingpage&streamingFormat=FLASH&referralObject=3649902&referralPlaylistId=f909db77f0ad31bbfd35cb7e6a04f50204809c04


Toby

 

[testar77]

Let us also assume you are correct that a policy could cover a self defense shooting. What about suicide in the 1st 2 years?

The suicide would not be covered inside the first 2yrs, after that pretty much anything goes, due to what is called an incontestability clause. Now obviously if the beneficiary killed the insured, it would not pay to the beneficiary. But if I were to shoot and kill you, your beneficiary would still get paid.

Toby

 

[Master Blaster]

I've called several insurance companies & they laughed out loud. If you know of an insurance company willing to cover those, please give me a name & contact so I can validate for myself.

You can't find one either?

I rest my case.

How about Company names, and the names and phone numbers of those folks who laughed out loud so I can hear them for myself.

Cant provide them?

Well I rest my case.

 

[winston smith]

"Before you argue with me about this, I worked for a VERY LARGE INSURANCE CO FOR 20 YEARS, THE LAST 10 IN UNDERWRITING."

I will not argue with you about this. Time changes things.


Please tell me where I can get it, and what the cost of such a policy is.