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For that to happen, a list of all guns a person owned would have to be made known. That will never happen.
And, while I respect your opinion, you are missing the fact that the largest percentage of gun deaths occur in inner cities where the gangs that have the guns are going to laugh at your rule that they must insure them.
Never happen, dude.
That should work well. Steal a gun or buy it from the corner pimp, drug, gun dealer. Stop off at the local insurance office and pick up a policy. 100% compliance guaranteed.