Connecticut House Bill HB06656

Connecticut 2013 Regular Session

• Introduced: 3/14/13
• Refer: 3/14/13

Caption

An Act Concerning Liability Insurance For Firearm Possessors Or Owners.

Impact

The implementation of HB 06656 would significantly alter existing gun ownership requirements in the state by introducing a legal obligation to procure liability insurance. This requirement aims to enhance accountability among firearm owners and could potentially serve as a deterrent against the misuse of firearms. By enforcing insurance coverage for damages or legal fees, the bill seeks to protect both the individual and the community from the financial repercussions of gun-related incidents.

Summary

House Bill 06656 mandates that individuals who possess or own firearms must obtain and maintain liability insurance covering bodily injury or property damage that may result from firearm use. The bill specifies that this insurance should include provisions for self-defense, which would cover civil and criminal defense costs associated with the use of a firearm for self-defense purposes. Failure to comply will result in the individual being charged with a class A misdemeanor.

Contention

Despite the potential benefits, the bill has raised concerns regarding its implications for Second Amendment rights and the practicality of requiring insurance for gun ownership. Opponents argue that such a mandate may disproportionately affect lawful gun owners who are unable to afford insurance. Additionally, questions arise about the challenge of defining the terms of insurance coverage and the types of incidents that would be encompassed. As the Insurance Commissioner is tasked with developing regulations to address these issues, balancing these aspects with the intent of the law will be crucial.