Insurance to protect persons from gun violence should make payments directly available to the victims or to doctors and hospitals who care for them. This would not only put the benefits where they are needed but would bypass most of the problems of providing coverage for intentional acts and stolen guns.
Liability Insurance
Liability insurance, on the other hand, is designed to protect gun owners and shooters. It pays for legal defense where the deep pockets of insurance companies create a barrier to victims ever being paid–even in egregious cases. insurers of cars, who collectively cover both sides of most cases, have over years worked out agreements between themselves to make liability insurance work. Not so for guns, where insurers would stonewall to the victims last cent.