On this proposal to require gun owners to have liability insurance... I've heard it compared to mandatory insurance for cars but that's not fair... you don't need insurance or even a license to keep a car in your garage. You can even start it occasionally to make sure it still works so long as it's never driven on a public street.
If one of my guns is misused and an innocent gets hurt then hold ME responsible. The same goes for my neighbor or anyone else. To make a financial hardship for me to pay for others' misdeeds would be like giving speeding tickets to everyone who drives, regardless of HOW they drive.