If we are required to have car insurance then why shouldn’t we be required to have firearm insurance? Firearm insurance could be used to indemnify gun owners in case their weapon was used in a crime. The deadlier the firearm, the higher the monthly premium for the insurance. Getting insurance companies involved would lead to more lawsuits over shootings and higher costs that would spark more regulations. Want to own an AR-15? Pay through the nose for the privilege.