[San Jose Mayor Sam] Liccardo, the mayor, has said that safe gun behavior will determine insurance rates and lead to discounts. He told Slate last month: “When you notify the insurance company, the insurance company can start to ask questions like, ‘Do you have a gun safe? Do you have a trigger lock? Have you taken gun safety classes?’ And those kinds of actions can help to reduce the premium.”
But experts we spoke with said insurance companies won’t be asking these questions, and gun owner behavior probably won’t influence rates, because the ordinance only requires policies that cover accidental shootings, which are rare in San Jose.
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