Insurance also doesn't stop people from stealing cars. I was just tossing out an idea.
This is why nothing ever gets done is because people shoot something down thinking about the end goal, and never take a positive step forward.
If your idea was to require insurance to compensate victims of shootings, I provided an explanation why that is not feasible. If your idea was to have insurance so gun owners would be required to have a health and competency rating, then boil your idea down to its core and suggest gun owners should have a competency and mental health raring