Should Gun Owners Be Required To Carry Liability Insurance? 
This really is n't an insurance question as a political one . I can only offer my opinion and it may not be agreeable to some depending on where you live . Do I think gun owners should carry liability insurance by mandate ? Yes , I do . And I will tell you why . Accidents happen . Guns get discharged accidently , hunters and hikers are accidently shot every year . What happens when the person who has been shot , but not killed ? Who pays their bills ? Who covers the cost of their care ? Should the person responsible be able to say , sorry I have no insurance , too bad for you . Someone already cited `` part '' of the 2nd amendment in a post . Let me add the other part , '' A well regulated Militia '' . I am a well regulated insurance agent , which means I am licensed for insurance sales and required to carry `` E&O -LRB- errors and omissions -RRB- insurance '' to protect the consumer . If by accident I were to cause harm , there would be coverage to help them . It 's an expense to me as I pay for this coverage . I do n't mind that much because if for some reason , by accident I created a harmful situation I would want to provide more than an I 'm sorry . 