Well, I would considering buying a 1966 Vette a pursuit of happiness, for which I have a right. And i need insurance to use that. If i walk into an emergency room in need of care, I have, under law, a patient's bill of rights where I cannot be refused care. The person giving me the care is forced to be insured. So this is nothing new. Adp's argument is valid to some extent, but it all ends when it costs the responsible money. Which is the case here.
Can't walk out of a gun shop without insurance. It's basically liability insurance just like you have with an automobile or homeowners. That gun is used in a shooting, the insurance company is on the hook for a wrongful death.(provided it is not ruled self defense of course) So you will have the insurance company vetting people extremely well. Mental illness? Probably won't get insured, so can't buy a gun. On the terror watch list? I would expect some tough insurance questions. PTSD? Hate to say it, but it's going to be tough. Want to own 50 guns? that's a big policy with a big premium. Really what this is, protection for all of us to some extent. A better vetting process. You want a single hand gun that you would only use to protect your home? Have one magazine of ammo? That's a minimal premium. Hunting rifle with x amount of rounds? Minimal premium. Stocking up on semi automatics? Wear shirt that says "if you know how many guns you own, you don't own enough?" I would expect to pay a decent amount. I would be in favor of caps on the liability - or some kind of workable equation that allows insurance companies to make a profitable bet in all likelihood. And if yo think is a tax on poor undereducated red necks in large part? Well, it's about time they pay SOMETHING.