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US vs S KoreaKeyless entry. In Korea, we don’t use keys and most of our cars are just smart keys. Even the poor areas have keyless entries everywhere.It would cost me $15 to fix a flat, taking about 30–40 min bc they always jacked up the car and removed the tire, would peel it off the rim, fix and then track back the steps.5 min, no removal of the tire, $4.50…did it twice and once it was free bc my car insurance gives me 12 calls a year. They called me to make sure it was done and asked me to rate the service as well. I always give them perfect ratings bc it is.Surprisingly, there are rarely any lines for city and government services. I’ve never waited in a line at the post office, bank, insurance office, district office, or any official office for any personal documents. S Korea has a healthy amount of tax funds for employees.

“If a responsible car owner has auto insurance then shouldn't a responsible gun owner also have a form of insurance for firearms?”In order to understand why this doesn’t actually make all that much sense, we need to examine what car insurance really is.It is only required (and usually only purchased) for cars that are driven on public roads.Owners of racing cars are, I’m sure, also insured—but I suspect their insurance is more of the sort that insures a valuable possession, not the same sort of “car insurance” that most of us have.It insures against accidents and against driver recklessness—it does not insure against intentional misconduct or suicide.Often theft is insured against, but solely to the benefit of the owner, not third parties.It is actually several distinct line items, each priced out on a different basis—inter alia:Repair/replacement—priced according to the replacement value of the car, adjusted by the actuarial likelihood of damage/loss.Personal injury—priced according to likelihood of injury, sometimes adjusted for policy-holder health.Injury to others/damage to property—priced according to likelihood of an at-fault accident of various sorts.Average annual cost of ~$815, with cost varying primarily on the basis of car value and driving record.So, what would firearms insurance look like?Only required for guns carried in public—not for guns kept in the home or crated to and from private ranges or private hunting areas.Insures against gun accidents or against reckless acts of the owner or other insured users—not against criminal acts, suicide, or third-party conduct.Insuring the value of the gun itself would be trivial, as most guns cost less than 10% the cost of most cars.Insurance for actual injury or property damage would be based on the actuarial likelihood of such injury or damage occurring.In a nation of roughly 100–150 million gun owners, there are roughly 500 accidental gun deaths per year, and roughly 11,000 non-fatal gun accidents. This works out to roughly 1 death per year per 200,000 gun owners, and 1 injury per 9,000.By comparison, there are ~250 million car owners, and ~35,000 crash deaths, plus 2.45 million nonfatal injuries. This works out to 1 death per year per 7,150 car owners, and 1 injury per 100.A gun accident that doesn’t hurt anyone is likely to cost a few bucks of spackle to repair (if it causes any damage at all), and even one that kills someone usually causes little or no property damage.Nearly every car crash that is reported causes at least some substantial property damage, and a crash involving injury or death likely also causes thousands of dollars of property damage.A gun owner who isn’t legally prohibited from owning a gun has, by definition, a perfect or near-perfect gun safety record.So, add up all those factors… and we’re looking at “gun insurance” that probably costs less per year than a Netflix subscription, because the likelihood of an “insured loss” occurring is very, very low. And the premium would go up only trivially for every gun after the first, because the component of the premium which insures the gun itself would be minuscule unless the gun is a collector’s piece, and because a person with ten guns isn’t more likely to have a gun accident than a person with one (in fact, usually less likely).~$80/year or less for gun insurance isn’t half bad. I still wouldn’t be in favor of mandating it… but not half bad.What I suspect these questions are always looking to do is to force gun owners to internalize the total costs of “gun violence”.But that’s not what insurance does.If some drag racer flips his car into a crowd of spectators, my insurance doesn’t go up—because I didn’t do that.If someone steals my car and drives it into a group of protesters, my insurance doesn’t go up—and doesn’t even pay for it—because I didn’t do that.If someone runs a hose from their tailpipe into the cabin and kills themselves, neither my insurance nor theirs pays anything for it.So, likewise, “gun insurance” wouldn’t be priced to cover the cost of criminals hurting people with illegal guns.It wouldn’t be priced to cover the cost of the slim chance that my gun gets stolen and used in a rampage killing.And it wouldn’t be priced to cover the cost of gun suicides—mine or anyone else’s.I am responsible for what I do (or knowingly permit to be done) with any gun I may own. Harm anyone else may cause with their guns is simply not my responsibility.

Our granddaughter came to our home in May of 2016. She was homeless and needed a place to stay. We welcomed her with open arms. We gave her a master suite to live in with an exterior door. After she wrecked her car a couple of months later; we loaned her a truck. We paid for the insurance and the gas. She didn’t have to pay for anything and we even gave her a job with our company. In January of 2017, she purchased a BMW; she was suppose to help her grandfather fix it up. She worked on it for a little while, then she got bored. To get it out of our garage we paid one of the workers to work with him. The car had a lot of issues. As the issues were found they were fixed. I took money from her check to pay for some of the parts. When they put a new radiator in it she was informed to watch her gauges and if it got into the hot range to stop, let it cool off and bring it back. It got hot, she cracked the head and she was angry at everyone except herself. So we loaned her the truck again. She also had a company cell phone - that we were paying for.On April 3rd, 2018; we found out that her grandfather had stage four non small cell carcinoma with weeks not months to live. She had been giving me a hard time with her job. Her grandfather asked us to speak with him on the afternoon of the 10th. He told her that she needed to adult better. She needed to do her job or she couldn’t work for the company. He also told her to clean up her act at home. The beautiful master suite that we had provided for her was a dirty stinky place. He told to wash her clothes, take the used dishes to the kitchen and keep things neat. She was very angry and got up to storm out of the room. He managed to get up from his chair and touch her arm as she left the room. She ran to her room and locked the door. He sat back down, I went and got my handy nut pick to open the door. I found her in the bathroom. She was in bathroom crying about how she was going to kill herself & I noticed she had also damaged the tub. So, I took the keys to the truck. When she said that she was going to burn down the house and the business I took away those keys as well.I left her exterior door open for the next two nights with her porch light on. On the third night I turned everything off and locked the exterior door. At 1:00AM on Friday the 13th, a noise woke me up. My little dogs were awake too. I checked the house and discovered that the porch for her room was on. The light in her room was on; so I tried the door, it was locked.Handy nut pick time again. I tried to speak with her but she didn’t want to talk. So, I went and found boxes and helped her pack and load a truck that was in our circular driveway. She didn’t get all of her things. I sent her texts to come get the rest of her things but she didn’t do it. I also made arrangements with the cell company so that she could keep her phone number and have an account under her own name.I found out from third parties that she was posting on line that her grandfather had tried to kill her or in another post beat her up. This was quite distressing for me and my husband. Her mother has not acknowledged that my husband has died and she is encouraging this behavior.Her grandfather passed away on the 28th of April.Since his passing, she has stolen things from the house. Taken business property and has had her cell phone declared stolen by the cell company.She sent a text detailing how she was going to kill to me to an aunt and two of her uncles on the day of her grandfather’s services. I loaded up the rest of her belongings and had one of our workers drop it off at the house she is staying at. She and the people she was staying with told the guy that he wasn’t allow to set foot on the property; so he made a neat pile of her things.She filed a harassment complaint with the police because I figured out where she was staying. She also posted some tacky things on line about me on line. I now have her blocked on line.I filed a restraining order with the courts. I feel so sorry for this 26 year old entitled child. Her betrayal is complete.Currently I am working to get her two non working cars out of my yard. Her grandfather gave until midnight of the day he died to remove them (interesting that he came up with that date).Update: all the locks are changed and there is a dead bolt on the door she was using to get in the house.