re: Proliferation of guns into the United States since the 80s is a root cause of the violence

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Well, no. But we recognize them as potentially dangerous and mandate that insurance is part of the deal.

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Are you fricking retarded?

We don't insure an automobile because it's dangerous like weapon. It's insured, primarily, because it doesn't belong to you - it belongs to the bank and they demand it's coverage in the event a retard - like you, does something retarded.
We carry insurance after the automobile is paid off because those same banks lobbied the legal system and demanded that when a retard like you, in his paid off car, does stupid shite - you pay for their car.