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A lawful citizen who carries into public for whatever reason they can dream up should be insured against any damage they cause if they pull their gun out and start shooting. If you hit a bystander, either you or your insurance company should be responsible. If someone grabs your gun (that you probably should not have been carrying in public) and commits a crime with it -- you have some responsibility. Insurance seems a good way to ensure the public is covered for damages a toter might cause.
Sorry, but that seems pretty easy to understand. Gun ownership, and particularly toting in public, carries some responsibilities.
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