Most cars are not involved in accidents (my current car has never had a wreck for example and it's almost older than me) yet we require auto liability insurance.
Most guns aren't involved in accidents either. Most aren't even used in violent crimes.
Guns are different exactly how?
They're not. It's the circumstances that are different. A few pages back I responded to you explaining this, but you may have missed it. You're saying people should carry liability insureance for guns like cars. I believe you said you wanted this in case the insured went and shot a bunch of people up with their gun, the victims could get money from the gun owner's insurance, right? That's a different scenario than the circumstances under which liability insurance kicks in on your car. There is a difference between being at fault for an act and intentionally commiting an act. Your liability insurance on your car kicked in because you were at fault in your accident, but just because you were at fault doesn't mean you intended to cause the accident. Taking a life has the same legal distinction where we have murder vs. manslaughter. Murder requires intent where manslaughter is usually about accidental negligence. Had you had intent to hurt someone with your vehicle like the person with the gun in your hypothetical, your liability insurance would have nothing to do with that. The only thing that would probably happen would be you getting dropped from your plan. Your auto liability doesn't pay out to the victim or victim's family if you intentionally run someone over. Compensation in that instance would be handled by the courts. This is why your liability insurance idea won't work, again, because that's not what liability insurance covers.
No...
If the insured's gun is used in a crime...yes as in Sandy Hook.
The effect is a win-win. The victims get some form of material compensation and the move retards gun ownership.
Again this is factually incorrect. It doesn't even hold true in auto liability insurance. That is if your car is stolen and someone uses it to intentionally hurt someone you likely aren't going to be liable for that. If you intend to and do hurt or kill someone whether it be with a gun or a car, your insurance is not going to pay out to your victims.
I know you will never see it this way, but less gun ownership is not a 'win'. If nothing else it's the same thing as saying liability insurance retards car ownership, thus reducing those deaths as well. Again I have to ask why are you not so passionatly fighting for that if you're so concerned about needless injury and death?