One wonders, why? At least in the case of licenses and insurance, we see folks all the time (anecdotally illegal aliens doing work, though I'm curious how well statistics actually back that supposition up) drive with neither, usually to no ill effect.
Insurance usually doesn't seem to help very much in the case of a totaled car, and mostly just seems to be a captive market for insurance providers. Drivers licenses are more for glorified identification than a seal of approval of your driving prowess--look at the highways near any major city.
And yet, here we are, with millions of firearms owned and honestly not that much death and dismemberment because of it, all without licensing and insurance.
We don't need a compromise--it's a solution in search of a problem.
The point about insurance isn't so that the driver gets a new car if they wreck it -- it's so that if they kill or injure, or damage the property of, someone else then that someone else is covered.
Driving licenses are "a seal of approval of your driving prowess" in many countries other than the United States; American drivers frequently can't drive for shit. (Sorry, but I live in the UK, with approximately half the per-capita adjusted road death/injury rate to the US, and a driving test that's notoriously hard.)
As for "not that much death and dismemberment" because of the easy availability of firearms in the US, it's noteworthy that the level in question is a couple of orders of magnitude higher than in the UK, where firearms ownership is rare and tightly licensed. I wouldn't argue for a total ban -- if nothing else, North America is full of interesting and exciting wildlife, to which many people live in close proximity -- but there's no obvious need for city dwellers to own semi-auto rifles and handguns, and requiring those who do to carry third-party insurance in case an accidental discharge ends up injuring someone is an absolute minimum.
"...and requiring those who do to carry third-party insurance in case an accidental discharge ends up injuring someone is an absolute minimum."
The thing here is that accidental discharges don't happen if you properly maintain your weapons and ammunition, and if you handle them properly.
As an example, I wouldn't store any weapons with a round chambered, wouldn't store weapons loaded, and wouldn't use any rifle or pistol rounds in an apartment for self-defense because of over-penetration concerns. The case where you have an accidental discharge and it hurts someone or something is entirely preventable using common sense, and so I don't believe that we should require insurance against what is honestly improper and unsafe tool usage--that burden should rest on the person who caused the accident.
As over 90% of road traffic accidents are the result of human error, I strongly disagree with your conclusion -- otherwise we wouldn't need third-party insurance for cars, either.
(On the other hand, if you're as sensible as you say, I have three words for you: no claims discount.)
Quick searching is not instructive as to pricing, but I guess some homeowners policies cover gun accidents, and such insurance is not particularly expensive.
Indeed, and you can tell from the costs what the insurance companies think are the serious risks (hint, not liability).
I'll just mention ratios, that I'm a USAA customer who's father was in the military (eyesight kept me out, but they have a special category for us because we're better risks), that I don't have very many guns, have a monitored alarm, and no longer get the no claims discount (http://en.wikipedia.org/wiki/2011_Joplin_tornado).
All that said, I pay 4 times as much for the extra protection needed to cover loss of my guns as I do for the liability insurance that's an enumerated part of my renter's policy, and the single instance liability they're on the hook for is 35 times greater than a total loss of my listed guns and scopes.
Well, we don't see that all the time - we see it sometimes. The only reason some people can drive with neither is because most people don't.
I don't think it's merely a solution in search of a problem because we seem to spend an enourmous amount of political energy on the topic in the way we don't on 'who gets to own a Ferrari'. Ferrari owners pay the exorbitant insurance fees for the privilege. You're a firearms enthusiast who would like to own a .303 British? More power to you. Pay up.
Actually, the higher-energy cartridges like .303 Brit and .30-06 are used even more rarely in crime than other rifle cartridges. Intermediate cartridges, which came into military favor following the second world war, allow the user to carry more ammunition per unit of weight, and to manage the recoil of the rifle more easily. It's also easier to manufacture an autoloading rifle to reliably fire a cartridge like 5.56 or 7.62x39 than one like .303 British.
Ferraris aren't very common as bank robbery getaway vehicles either. My point was that it should be possible to come up with some sort of regulatory regime that reasonably covers the entire range of uses - from personal safety to collection of exotica.
This isn't possible if one side's position is 'I get to have whatever I want, because'. You can't buy a thing that plugs into your wall socket that isn't UL certified, what exactly, is so uniquely special about firearms, of all things.
The great thing about mandatory liability insurance is that the government doesn't need to make any determination at all about how dangerous various kinds of weapons are. You think the threat of Gun Type X is overblown? Great. If that's true, market forces will ensure that the liability insurance for it is cheap.
One wonders, why? At least in the case of licenses and insurance, we see folks all the time (anecdotally illegal aliens doing work, though I'm curious how well statistics actually back that supposition up) drive with neither, usually to no ill effect.
Insurance usually doesn't seem to help very much in the case of a totaled car, and mostly just seems to be a captive market for insurance providers. Drivers licenses are more for glorified identification than a seal of approval of your driving prowess--look at the highways near any major city.
And yet, here we are, with millions of firearms owned and honestly not that much death and dismemberment because of it, all without licensing and insurance.
We don't need a compromise--it's a solution in search of a problem.