Bill Would Require Gun-Owners To Carry $1M Insurance Policy

Holly Matkin

Rep. Jennifer Gong-Gershowitz (D-Glenview) filed House Bill 5170 on Friday.

Springfield, IL – Illinois lawmakers are considering a bill that would require gun owners to purchase at least $1 million worth of liability insurance coverage.

House Bill 5170, filed by Rep. Jennifer Gong-Gershowitz (D-Glenview) on Friday, would prohibit “surplus line insurance producers from procuring and domestic surplus line insurers from insuring the risk of legal fees, costs, or expenses related to an investigation, indictment, or prosecution of any criminal charge arising out of the use of a firearm.”

It would also amend the Firearm Owners Identification Card (FOID) Act by requiring new or renewing applicants to provide the Illinois State Police (ISP) with proof that they have “liability coverage of at least $1,000,000 for accidental injuries caused by a firearm,” according to the bill.

Although FOID cards only need to be renewed every 10 years, the ISP “may require annual proof” of insurance coverage, the bill reads.

Citizens who fail to provide proof of insurance coverage or who fail to maintain such coverage would likely have their FOID cards suspended – thereby making it illegal for them to possess firearms, according to the National Rifle Association (NRA).

The bill was referred to the House Rules Committee on Tuesday.

Kailey Pritchard, who owns Raging Bullet Guns and More in Auburn, said that the proposed legislation was “ridiculous,” The Center Square reported.

Pritchard noted that the state is already struggling to implement the measures they previously enacted, and that more restrictions will prolong the process even further.

“They can’t even get FOID cards out the door. People are waiting six months for FOID cards,” she told The Center Square. “How are they going to check on any of this stuff? They took my money and I never heard back.”

A federal lawsuit was filed against the ISP on Jan. 31, alleging that the agency’s leadership has allowed firearms license applications to languish for months, effectively depriving citizens of their Second Amendment rights, while simultaneously defunding the FOID program.

The lawsuit, filed by the Illinois State Rifle Association (ISRA) and the Second Amendment Foundation (SAF), alleged that thousands of Illinois citizens who need to renew an expired FOID card or who have applied for one have been in limbo for months.

The fault lies in the administration of the program that issues the cards, according to Courthouse News.

The lawsuit, which specifically named ISP Director Brendan Kelly and Jessica Trame, the bureau chief of the Illinois State Police Firearms Services Bureau, blamed the delays on the loss of $29.5 million in state police funds that were supposed to have been used to administer the program and conduct background checks.

The suit claimed ISP “has swept or transferred funds totaling more than $29,500,000.00 from the State Police Firearms Services Fund, the State Police Operations Assistance Fund, and the State Police Services Fund away from these funds and into other accounts.”

“The money was to be used for three purposes: administration of the Firearm Owners Identification Card (“FOID Card Act”), background checks for firearm-related services, and concealed carry licensing pursuant to the Firearms Concealed Carry Act (“FCCA”),” the complaint read. “Instead, the more than $29,500,000.00 has been subject to interfund transfers which are ostensibly to be repaid but which have not been, or swept into other accounts without an obligation to reimburse the funds at all.”

The Second Amendment organizations that filed the lawsuit in federal court in the Northern District of Illinois, Eastern Division did so on behalf of two Illinois residents whom they said have been denied their constitutional rights.

“The effect of this has been a systematic slowdown and sometimes halt of processing of applications and appeals of the FOID Card Act,” the lawsuit said. “Applicants and appellants spend days on the phone attempting to reach someone at the [Illinois State Police] with no success. In the unlikely event that a person answers, the applicant/appellant is usually told only that their case is under review.”

While renewals and first-time applicants might have to wait for months to get a FOID, anything more complicated – such as a reinstatement after a prior revocation or an appeal – can take literally years, according to the lawsuit.

The suit said applicants “quickly find their appeals sucked into a black hole from which escape comes, if at all, with an interminable wait.”

The state has no legal deadline to respond to an appeal, Courthouse News reported.

The lawsuit asked the court to order the ISP to issue cards to the citizens named in the complaint, and to award them monetary damages.

Comments (56)
Anomie88
Anomie88

Am I seeing things? Did the article say that gun owners have to have an identification card to own a gun? And people there submit to this unconstitutional registration? And it costs the gun owners money? Do these lawmakers know it is a right to own a firearm and not a privilege? Really? Now, they are basically creating a simultaneous windfall for insurers and for supposed victims while creating another roadblock for a constitutional right to keep arms? I thought we lived in the USA, not Venezuela. I really think these Democratic lawmakers have lost their minds or have been so emboldened by the radicals, that they think this is normal behavior for a constitutional republic.

12 Replies

flybynight
flybynight

But you don't need ID to vote. Interesting.

Anomie88
Anomie88

Whenever I go into the voting district where I live I offer them my driver's license and the volunteers always say the same thing, "No, we don't need that." I say, why how do you know who I say I am. And, they just look at me. Unbelievable. You need ID to buy cigarettes and beer, but not to vote.

NTPD935Ret
NTPD935Ret

I bet you need ID to get into the DNC Convention.

shooter
shooter

But...but...how would Democrats get elected if everyone had to show ID when they voted?

Cop Watch
Cop Watch

this is a another reason we will see a second civil war! why do you think the big-g wants every gun owner on a list that they have access to. or anyone that they deem to be a problem for them in the future. welcome to the land of the tyranny, home of the slave!

LEO0301
LEO0301

I told you, they have been watching you for years. Look out your window for a dark colored sedan with tinted windows.

TheHammer
TheHammer

You seem surprised that 2A rights are being infringed upon in this country. Are you familiar with NY, NJ, CA? Get your head out of your ass.

Anomie88
Anomie88

Speaking of asses, I guess you don't understand it when some is sardonic? Read a book once in a while.

TheHammer
TheHammer

When some what is sardonic? I think you're missing a word there. BTW I read plenty and just so you know sardonicism doesn't come across well in writing especially when the author is a poor and feeble-minded writer.

Anomie88
Anomie88

You attacked me for being out of touch with reality because you made an assumption about me. You don't have a clue or an inkling about my mind or my intelligence because you are so filled with hatred and anger you can't see beyond your own deficiencies in character and morality. Even in your response you attacked me over a missing word because that is your nature. By the way, this isn't a literary board that needs critiquing for every missed word or other grammatical faux pas. If that's the best you can do, than I feel sorry for you. And to further describe my stand on 2A rights, you won't find a more fervent supporter than me. I think it's a disgrace and an outrage what Illinois, CA, NJ, VA, MA lawmakers are doing. I don't ever need to defend my choice of words or how I frame my comments to describe my disapproval of their communist policies.

TheHammer
TheHammer

I am filled with anger and hatred... Towards stupid people. You know... Like yourself and your offspring.

flybynight
flybynight

Just saw a news article the other day where the people of NC voted for voter ID and a Obama appointed Judge said sorry, you can't do it even though the people voted for it.

No. 1-25
Bellacat
Bellacat

Another ridiculous bill. I’m sure criminals will comply (sarcasm). In the state of Virginia we have to show our ID’s to vote.

Burgers Allday
Burgers Allday

#gcl #becausebluelivesmatter

LostAllSanity
LostAllSanity

I am willing to have a liability policy should I accidentally cause harm to an innocent person - but I want the State to have equal insurance should their actions allow a violent felon to cause harm to me or my family.

LEO0301
LEO0301

Hey @Quasar704 , look they brought you up in the story - you're famous! "The suit said applicants “quickly find their appeals sucked into a black hole from which escape comes, if at all, with an interminable wait.”

LEO0301
LEO0301

I wonder how this will effect all those shootings in that law abiding city of Chicago? The gangbangers will need to make sure they have insurance before they commit their next murder.

buzzard60
buzzard60

Another dumb a$$ libtard law directed at punishing law abiding citizens and restricting their "RIGHT" to own a firearm by making it unaffordable and to reward their voting base, low class criminals, who won't give a rat's a$$ about the law. Hey wait, we can restrict voting rights by making it only possible for those "owning" property in the voting district to vote. That was a thing in the past and was deemed to be unconstitutional. Likewise this law should also be a non-starter but politicians are more and more relying on the ignorance of their voting base to not be educated and to fall for all their bullcrap.

GrumpyVet
GrumpyVet

I wonder how much of that $29.5 million made its way into the pockets of demonrats!?!

Gap Filler
Gap Filler

I’m fortunate in two, no three respects here; One: I thank God daily that I’m not a democrat;Two: I don’t live in that arm pit of a city called Chicago which has been corrupt since the days of Richard Daley Sr.; Three: I already have that much liability insurance and more and DON’T have to produce a card to buy a gun.

JBoH
JBoH

Do you suppose this new law will apply to gang bangers and other criminals? Hmmmmm. Let me think about that...

Nope!

AnnykaV
AnnykaV

All the usual licensing and identification BS is true, but this is the really scary part:

The bill "would prohibit “surplus line insurance producers from procuring and domestic surplus line insurers from insuring the risk of legal fees, costs, or expenses related to an investigation, indictment, or prosecution of any criminal charge arising out of the use of a firearm.”"

That means they're saying you have to carry $1MM in insurance for "accidental discharges," but you CANNOT have insurance that will protect you for legal fees, costs, etc. while they investigate any of it, because you know damn well any accidental discharge will be investigated as a crime.

The lengths they try to go to are unreal.

Brasov04cluj
Brasov04cluj

Someone is trying very hard to win a Jimmy Hoffa Sr. Vacation package.

Rockabyebailey
Rockabyebailey

Another great reason not to live in Illinois!

Stanracer
Stanracer

Stop voting in bleedng heart, hug-a-thug, police hating, liberal politicians!!

Raygb
Raygb

Geez! Usually California comes up with this first.

magnumforc
magnumforc

And this would effectively force many CCW or FOID card owners to give up their firearms, another Democrat led crusade against the Second Amendment. IF anyone votes Democrat in this election, they are driving another nail in the Second Amendment coffin. If you listen to Bloomerberg all he wants is to take away our guns, give the illegals sanctuary and benefits and pander to the welfare recipients. And buy his way into the White House. Sickening.

RetiredCorrections
RetiredCorrections

Living in the shithole state , I can tell you it sucks , you pay for the privilege to get the mandated FOID card , get caught with a gun and no card could land you in jail for awhile, besides this insurance, they want to make it mandatory for you to have your fingerprints taken every time you renew your FOID card which they want to change from 10 years to 5 , at $75 a time , but wait ! It gets better, they have also introduced legislation to mandate that each and every round has serial numbers on them ! I shit you not . Being caught with ammo without a number would be a misdemeanor.
The anti gun climate here is strong

rix is retired
rix is retired

and read between the lines,,,, this likely applies to all EXCEPT legislators, who are most likely exempt.

checksix
checksix

She forgot to add motor vehicles. Need to think forward like London and add knives.

61mouse
61mouse

She's cutting into the drug dealers drug money . O who am I kidding their doing their drugs and laughing their asses off

Crawmom
Crawmom

Shouldn’t have to have a FOID Card it’s my right as a law abiding American to own a gun. I left Missouri 43 years ago and we have decided to retire there. It’s shameful what the corrupt Dems have done to this state.. Chicago runs the whole dam state and there lies the problem! Let those idiots take there messed up city and succeed from Illinois.. liability insurance 😳 million dollars ... imagine what your premiums would be🤪 what a joke.

javaguy
javaguy

If they do it for guns than it should be for cars too. Cars kill more people than guns do. Maybe they should check percentages and starting at 1 million, require the percentages for car deaths vs guns.

tuggingalong
tuggingalong

More corrupt politicians pandering to their ignorant constituents.

The states with strict gun laws have the most shootings and the numbers have been increasing post impacted laws. The cities with the most regulations for housing and rental properties have the highest property cost and renters pay the highest rent. People should learn the term “unintended consequences” and perhaps it would help them realize the idiocy of these corrupt politicians. People are interested in the truth. They want someone to hold there hand and tell them fabricated lies similar to fortune tellers.

Officer Malloy
Officer Malloy

Like it or not, the Constitutional Republic was lost in 1933 due to the banking act. The U.S. is now a corporation and they remind you of this every time they refer to you as a DEMOCRACY, look them up and see the difference...your vote is just to keep you quiet, but you will get what THEY want YOU to have ruling over you, while your taxes go to pay just the interest to the Non-Federal Reserve for the luxury of using the worthless paper they create THEIR wealth from..while you borrow TRILLIONS from other commie countries just to keep operating. INCREDIBLE, the loss of knowledge on those who pay more in taxes, fees, and fines than they do for clothing and food...just incredible!


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