California city approves 1st US insurance law for gun owners

A California city voted Tuesday night to require gun owners to carry liability insurance in what’s believed to be the first measure of its kind in the United States.

The San Jose City Council overwhelmingly approved the measure despite opposition from gun owners who said it would violate their Second Amendment rights and promised to sue.

The Silicon Valley city of about 1 million followed a trend of other Democratic-led cities that have sought to rein in violence through stricter rules. But while similar laws have been proposed, San Jose is the first city to pass one, according to Brady United, a national nonprofit that advocates against gun violence.

Council members, including several who had lost friends to gun violence, said it was a step toward dealing with gun violence that Councilman Sergio Jimenez called “a scourge on our society.”

Having liability insurance would encourage people in the 55,000 households in San Jose who legally own at least one registered gun to have gun safes, install trigger locks and take gun safety classes, Mayor Sam Liccardo said.

The liability insurance would cover losses or damages resulting from any accidental use of the firearm, including death, injury, or property damage, according to the ordinance. If a gun is stolen or lost, the owner of the firearm would be considered liable until the theft or loss is reported to authorities.

However, gun owners who don’t have insurance won’t lose their guns or face any criminal charges, the mayor said.

The council also voted to require gun owners to pay an estimated $25 fee, which would be collected by a yet-to-be-named nonprofit and doled out to community groups to be used for firearm safety education and training, suicide prevention, domestic violence, and mental health services.

The proposed ordinance is part of a broad gun control plan that Liccardo announced following the May 26 mass shooting at the Santa Clara Valley Transportation Authority rail yard that left nine people dead, including the employee who opened fire on his colleagues then killed himself.

At an hours-long meeting, critics argued that the fee and liability requirements violated their right to bear arms and would do nothing to stop gun crimes, including the use of untraceable, build-it-yourself “ghost guns.”

“You cannot tax a constitutional right. This does nothing to reduce crime,” one speaker said.

The measure didn’t address the massive problem of illegally obtained weapons that are stolen or purchased without background checks.

Liccardo acknowledged those concerns.

“This won’t stop mass shootings and keep bad people from committing violent crime,” the mayor said, but added most gun deaths nationally are from suicide, accidental shootings or other causes and even many homicides stem from domestic violence.

Liccardo also said gun violence costs San Jose taxpayers $40 million a year in emergency response services.

Some speakers argued that the law would face costly and lengthy court challenges.

Before the vote, Sam Paredes, executive director of Gun Owners of California, said his group would sue if the proposal takes effect, calling it “totally unconstitutional in any configuration.”

However, Liccardo said some attorneys had already offered to defend the city pro bono.