Not hard, but rather an attempt to deter gun ownership.
Won't ever happen here in Texas. Hold a person accountable for crimes committed with a gun or a negligent parent for not preventing unsupervised access to a minor? Yes, I'm all about that. Making me pay liability insurance for guns that spend 90% of their lives in the safe and the other 10% at a shooting range or hunting lease? That's horse crap and really only punishes legal and responsible gun owners.
Not sure how this will prevent the next pasty, white, depressed loon from shooting up a mall or gang violence.
I thought that is what lawsuits were for.
or
Bobby,
"Hey Ricky, shoot me in the leg."
Ricky,
"Why?"
Bobby,
"So we can collect the insurance money. Hunt'n season's coming up and I need a new deer rifle"