Gun owner insurance task force

[mab22]

Here we go. Task force to explore mandatory insurance for gun owners. 
HB43 https://www.ilga.gov/ftp/legislation/104/BillStatus/HTML/10400HB0043.html

 

From the center square.

 

https://www.thecentersquare.com/illinois/article_1d07d293-4b27-42c8-bd9d-6a7578d6615c.html

Quote

(The Center Square) – Gun rights advocates in Illinois are raising alarms over House Bill 43, legislation that would create a state task force to study mandatory civil liability insurance for firearm owners.…

…

HB0043 would create a Task Force on Firearm Insurance to study current and future policies and make recommendations, with members appointed by the governor and legislative leaders and administrative support from the Department of Insurance.

Sponsor of the bill, state Rep. Bob Morgan, D-Deerfield, announced the introduction of the legislation on social media saying, “As we progress through the 104th GA, I remain committed to pursuing legislation that combats gun violence in our state.”

 

Quote

 

 

 

[mauserme]

This has been around for a little over a year now.  It didn't even get out of the Gun Violence Prevention Committee last Spring.  It may have got a subject matter hearing if I remember correctly. I'm sure the sponsor would love to move this bill, and maybe he can, but saying it's "currently under consideration" is a bit of a stretch at the moment.

 

 

 

 

 

 

[EdDinIL]

On 1/29/2026 at 9:13 PM, mauserme said:

It didn't even get out of the Gun Violence Prevention Committee last Spring

Do you recall why?  Creating a task force seems like a no-brainer for them since it doesn't actually do anything besides spend money.  Unless, of course, it was blocked by the gun grabbers who wanted to jump straight to mandatory insurance, no task force required.

[Felixd]

Saw this in the Center Square report, “Aaron Dorr, executive director of the Illinois Firearms Association, described the measure”. Google the name to see Dorr’s past. He is currently running three gun “associations” on YouTube. Illinois, Indiana, and New York. Ask yourself what has his organization done to protect your liberty. 

[Jeffrey]

just like the founders did

[mauserme]

On 1/30/2026 at 8:50 AM, EdDinIL said:

Do you recall why?  Creating a task force seems like a no-brainer for them since it doesn't actually do anything besides spend money.  Unless, of course, it was blocked by the gun grabbers who wanted to jump straight to mandatory insurance, no task force required.

 

It could be that there wasn't any real support for the bill, or they had higher priorities, etc.

 

There was a subject matter hearing about a year ago, discussed briefly here.

 

 

[SiliconSorcerer]

On 1/30/2026 at 12:08 PM, mauserme said:

 

It could be that there wasn't any real support for the bill, or they had higher priorities, etc.

 

There was a subject matter hearing about a year ago, discussed briefly here.

 

How would they know who even had a firearm to enforce it?

[yurimodin]

On 1/30/2026 at 1:16 PM, SiliconSorcerer said:

 

How would they know who even had a firearm to enforce it?

Oh I have an idea how they could but I'm not giving them ideas.

[SiliconSorcerer]

On 1/30/2026 at 1:35 PM, yurimodin said:

Oh I have an idea how they could but I'm not giving them ideas.

I was trying to make a point, i guess I failed. 🤪

[mauserme]

On 1/30/2026 at 1:16 PM, SiliconSorcerer said:

 

How would they know who even had a firearm to enforce it?

 

They might be expecting everyone to be in a rush to comply, kind of how PICA worked  ...

 

 

[TomKoz]

On 1/30/2026 at 1:16 PM, SiliconSorcerer said:

 

How would they know who even had a firearm to enforce it?

Probably require anyone with a FOID ?

Non-residents passing through would be exempt?

Edited January 31, 2026 at 01:30 AM by TomKoz

[mab22]

Just make sure you keep the insurance card next to your: Facebook, instagram, LinkedIn, permission slips. 
Vare R u PAPERS!?

[Dan The Man]

Mandatory Insurance would make gun ownership less affordable for low income earners. Low income communities still have crime and residents still have a need to defend themselves. How much would insurance cost?

[Black Flag]

On 1/30/2026 at 9:44 AM, Felixd said:

Saw this in the Center Square report, “Aaron Dorr, executive director of the Illinois Firearms Association, described the measure”. Google the name to see Dorr’s past. He is currently running three gun “associations” on YouTube. Illinois, Indiana, and New York. Ask yourself what has his organization done to protect your liberty. 

And.... Circle gets the Square

 

Illinois Gun Owners are in doodoo deep when only the guy who has a PO box in a Peoria strip mall store gets the interview.

 

 

 

Edited February 1, 2026 at 04:41 AM by Black Flag
Typo.

[BobPistol]

Maybe they haven't found a bunch of cronies to get the cushy job on the task force.  

 

Eh, who am I kidding?  That's the easiest part. 

[Dan The Man]

How much does someone get paid to be on a task force?

[mauserme]

On 2/1/2026 at 1:25 AM, Dan The Man said:

How much does someone get paid to be on a task force?

 

There is no compensation under this bill.

 

 

[Euler]

On February 1, 2026 at 01:25 AM CST, Dan The Man said:→

How much does someone get paid to be on a task force?

The crony incentive to serve on the task force would be for insurance executives who want to sell the kind of insurance the bill proposes. Then they recommend their companies as the sole approved vendors in Illinois.

Usually an insurance bill would be written by insurance lobbyists. This insurance bill was written by gun control lobbyists. No amount of cronyism can make up for the utter lack of economics for insurance companies.

[TomKoz]

What happened to “…Shall Not be Infringed.”

[Jeffrey]

On 2/2/2026 at 12:13 AM, TomKoz said:

What happened to “…Shall Not be Infringed.”

thats for the militia's

[mab22]

On 2/2/2026 at 12:13 AM, TomKoz said:

What happened to “…Shall Not be Infringed.”

That’s the FEDERAL constitution, IL democrats withdrew from that version, except for the parts that reserve rights to the state.
 

[mab22]

On 2/1/2026 at 7:20 AM, mauserme said:

 

There is no compensation under this bill.

 

 

I see what you did there with the “no compensation under this bill”.

[John Q Public]

I guess those companies will pay liability for all the felons/illegal use/ing guns, if only, to get compensation for their misuse?  Okay, they would have to pay out of pocket, for what? 98% of the shootings?

Edited February 3, 2026 at 06:57 PM by John Q Public

[mauserme]

On 2/3/2026 at 12:55 PM, John Q Public said:

I guess those companies will pay liability for all the felons/illegal use/ing guns, if only, to get compensation for their misuse?  Okay, they would have to pay out of pocket, for what? 98% of the shootings?

 

Both intentional acts and criminal acts are excluded from coverage under a liability policy.  The legislature could pass a law requiring illegal acts to be covered, but that would likely lead to insurers withdrawing from the state.

 

 

 

[Upholder]

On 2/3/2026 at 1:11 PM, mauserme said:

that would likely lead to insurers withdrawing from the state.

 

Which would, in their eyes, be a feature and not a bug.   

 

You must have insurance.  Nobody offers insurance.  It's a wonderful catch, that Catch-22.

 

[Tip]

On 2/3/2026 at 1:27 PM, Upholder said:

 

Which would, in their eyes, be a feature and not a bug.   

 

You must have insurance.  Nobody offers insurance.  It's a wonderful catch, that Catch-22.

 

Then they could establish a government provided insurance - but only issue it to those deemed to be “of moral character”….

Hey wait, weren’t we here before??

[TomKoz]

Illinois could establish an exchange and put together a billion dollar website where you not only get the insurance they require but will/must include maternity coverage for all the guys and dental coverage for any kids - whether you have any or not !

[mauserme]

On 2/3/2026 at 11:39 PM, TomKoz said:

Illinois could establish an exchange and put together a billion dollar website where you not only get the insurance they require but will/must include maternity coverage for all the guys and dental coverage for any kids - whether you have any or not !

 

The exchanges, or programs like the assigned risk pool for car high risk car insurance, involves insurance offerings from carriers that already offer those products.  So, for example, Blue Cross is not required to write high risk auto as it's a health insurance company.

 

The question would be, who writes coverage for intentional and/or criminal acts.  The answer is no one.

 

 

[TomKoz]

On 2/4/2026 at 5:26 AM, mauserme said:

 

The exchanges, or programs like the assigned risk pool for car high risk car insurance, involves insurance offerings from carriers that already offer those products.  So, for example, Blue Cross is not required to write high risk auto as it's a health insurance company.

 

The question would be, who writes coverage for intentional and/or criminal acts.  The answer is no one.

 

 

I was being facetious.

[mauserme]

On 2/4/2026 at 9:28 AM, TomKoz said:

I was being facetious.

 

But that's how the sponsor's mind works. and they actually put him on the Insurance Committee (which doesn't have this bill, by the way, because the rest of them presumably know a little sumpin" about insurance).