While it would be ideal to have a gun insurance adopted at a single time as one well designed national mandate, it’s likely that political reality will force it to come into being in stages. The logical place to start is for the more amenable states to require insurance for holders of permits to carry firearms in public. If this can be extended to general coverage of guns in some of these states, the stage is set for a federal mandate for top-down insurance which extends into any state requiring insurance. This in turn will encourage other states to have their own requirements in order not to have their citizens paying for insurance without their state receiving benefits for victims.
Concealed Carry as a Start and an End in Itself
Mandating gun insurance for holders of permits to carry weapons in public is much simpler than mandating gun insurance in general. Permit holders are already registered with state government agencies; there is no need for an additional registration system. They are generally responsible people who have already shown their willingness to cooperate with reasonable regulations. Insurers will find these people to be desirable customers. Most measures to deal with gun violence have to deal with the flood of illegal weapons that come from states with weak regulation of gun trafficking. But, states requiring insurance for permits can simply refuse to recognize permits from other states without insurance requirements or require proof of insurance in addition to such a permit.