San Jose passes law requiring gun owners to get liability insurance

（单词翻译）

San Jose passes law requiring gun owners to get liability insurance

Transcript¹

The San Jose City Council has approved the nation's first law requiring gun owners to have liability insurance. City leaders hope it will reduce gun violence. Gun owners say they're being harassed².

RACHEL MARTIN, HOST:

San Jose, Calif., may soon be the first city in the U.S. where gun owners are required to have liability insurance. As NPR's Martin Kaste reports, this move by the City Council has generated a whole lot of debate, even though it's unclear what practical effect it's going to have.

MARTIN KASTE, BYLINE³: After three mass shootings in three years and a jump in the murder rate in 2020, San Jose Mayor Sam Liccardo says he felt he had to do something, but what?

SAM LICCARDO: Virtually every option available to mayors and cities to reduce gun violence is somehow or another preempted⁴ or precluded⁵ by federal and state law.

KASTE: One possibility - collect an annual fee from gun owners. It'll be in the range of $30. That money will fund services such as suicide prevention and gun safety training. But it's the second part of Liccardo's anti-gun violence package that's getting the attention - a new requirement that gun owners carry insurance.

LICCARDO: With insurance, we know risk-adjusted premiums⁶ can encourage gun owners to buy gun safes, to install trigger locks, the kinds of things that can make their families safer and make us all safer.

KASTE: But Sam Paredes says the mayor is being insincere. Paredes runs the group Gun Owners of California.

SAM PAREDES: Any way you put the lipstick⁷ on this pig, it is still a pig. It's still wrong-headed. It is unconstitutional.

KASTE: Parades believes the point of this requirement is just to create new financial and bureaucratic⁸ burdens for legal gun owners. And his group and others are going to court to challenge the law before it can take effect in August. Also, as a practical matter, Paredes says you can't get insurance for the kind of gun violence that most people care about.

PAREDES: There isn't an insurance company anywhere in the world that will offer an insurance policy to protect somebody who misuses⁹ a firearm.

KASTE: City officials say they're not requiring anyone to get insurance for intentional¹⁰ harm with a gun, just for accidents or negligence¹¹. People often have that coverage¹² already with their homeowner's or umbrella liability policies. So how much difference will this new requirement make? William Rosen is managing director of state policy and government affairs at Everytown for Gun Safety. He calls this insurance requirement creative.

WILLIAM ROSEN: It also, of course, means it's untested. So I think, in a way, it can be a good model for cities. We'll certainly be following closely.

KASTE: One thing is already apparent - the San Jose ordinance¹³ sets up a new area of political debate and legal battle over what the rules should be for owning a gun.

Martin Kaste, NPR News.

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