The issue with candy is that she doesn't want guns regulated. She wants them gone, period. And she can't snap her fingers in make that happy, irrational solution it is, she's just throwing ridiculous regulations out there trying to discourage people from owning guns.
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.
Guns are different exactly how?
They're not a lot different.
But you're confusing Civil Liability with criminal liability.
In a Car Crash, you are negligent if you are deemed to be more than 50% at fault. It's called comparative negligence.
In a gun shooting, odds are pretty good that someone broke the law.
If it's in a "Castle Doctrine" case and the Homeowner didn't break the law but negligently shot someone, he can be sued and damages collected.
If he broke the law and illegally shot someone....
He can be successfully sued, but his Insurance Company usually won't defend him and usually won't pay damages. Not in my State. He can spend a LONG time in Jail, but that's about it.
There are ALWAYS exceptions to these guidelines, but generally speaking, I'm right. Such as if it's a Joint Policy and the Husband shoots somebody and the victim plans on taking everything they own, the Insurance Company
may decide to defend the Wife's interests in the Policy Coverages and try to reach a financial settlement
But that's above my pay grade.
I am a retired, 25 year, Property and Casualty Agent. I have schooled Attorneys on Legal Liability on a couple of occasions (though I wouldn't pretend to know more than ANY Attorney on the General Subject).
I know what I'm talking about.
Frankly, you don't
Listen, pay attention, learn. It's the best thing you can do for yourself right now.