The person you're responding to is right, though: adding insurance costs takes a constitutional right and turns it into a privilege only for those who could afford it. We've seen what the insurance industry does with medical insurance, homeowners insurance, and every other type of insurance: they fuck the little guy over every chance they get. So you're just telling gun owners to throw money at a company that is just going to keep it, rather than tell them to take that money and attend biannual (twice a year) firearm safety training to remain in compliance with their license.
Not a single person in this thread has talked about subsidizing firearms training and making it mandatory, you all just want less guns in the hands of fewer people. So just say that, instead of hiding behind this false-altruist "Well, it'll only affect the bad eggs," yep, that's why good people are never denied medical treatment from their insurance, because it only effects the bad eggs.
Got it, so gun ownership is for the wealthy and privileged only, according to you, got it. Insurance will not solve this problem, full stop. Auto insurance doesn't stop people from driving illegally or without licenses, and driving is a privilege, so let's apply the same logic and standard to a constitutional right.
It'd be a lot faster if you just said, "I don't think anyone should own guns," instead of parroting this fake altruism that insurance will make people face consequences. There are already laws in place to issue consequences to those who are reckless, and I would say that should constitute recompense and justice for their victims. So instead of introducing some useless middleman that, again, will only impact the poor and minorities, go after your state AG's for not prosecuting gun crime.
Or, as I've said repeatedly, subsidize firearm training and make it required twice per year to maintain your licensure. That's on top of the required class to get your conceal carry license, and everything else associated with it. Insurance providers will only make those requirements and monetary hurdles worse, so again, you're making a constitutional right a privilege for only those with money.
Make our current medical insurance providers (y'know , the ones who don't provide the services you pay for when you need them for arbitrary reasons) actually pay for mental health care so maybe people can have healthy ways to deal with any issues they have instead of shooting up a school/mall/whatever. Get rid of the social stigma around mental health in general, and require background checks before every gun sale.
There's literally a myriad of other directions we could and should take gun control, but introducing and requiring insurance for something that is a right makes it a privilege for those with money. This reeks of the same justifications people used to pass the first big wave of gun control laws when the Black Panthers started showing up to rallies with firearms. It even reminds me of the voter ID laws being pushed, since the only people burdened by them are those who can't afford to get an ID, y'know, the majority of whom are minorities.