This solution would make gun ownership particularly expensive for those who are most likely to get caught up in some sort of violence. So lifetime hunters with spotless criminal history would get a great rate. A jobless 19-year-old male with a disorderly conduct arrest on their record, on the other hand, would have to pay a whole lot more than they could afford. We could take it a step further, by making gun owners liable for any accidents or violent crimes committed with a weapon they own, even if they weren't directly involved. So if you don't keep your gun under lock and key, and somebody gets a hold of it and commits a crime, you're on the hook.
http://www.theatlantic.com/business/archive/2012/12/a-smart-way-to-contr...