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New Jersey Governor Uses Executive Order to Ban Insurance Sales to Gun Owners

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Law Enforcement Today reported on New Jersey’s recent executive order which banned the sale of insurance products that allow gun owners to receive liability coverage. In doing so, it will be practically impossible for concealed carry holders in New Jersey to receive coverage.

This executive order was passed in September and a press release from Governor Phil Murphy’s office stated that within a 30 day time period, all action “to prohibit and/or limit the sale, procurement, marketing, or distribution of insurance products that may serve to encourage the improper use of firearms” would be taken.

Because of this move, the U.S. Concealed Carry Association (USCCA) announced earlier this month that it was forced to “Pull their services off the shelf for New Jersey gun owners.”

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USCCA is not an insurance company, but it does provide concealed-carry liability insurance to members in cases where they use their weapons in self-defense.

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Because USCCA  lists “their membership as “beneficiaries” of their coverage”, they will be “regulated by the state much like an insurance company.”

This leaves them no choice but to exit New Jersey or take the fight to the state’s Attorney General’s Office.

The governor’s press release boasted about a consent order for a $1 million fine against a company that encouraged “the improper use of firearms.”

Last week, the New Jersey Department of Banking and Insurance announced that Lockton Affinity, LLC agreed to pay a $1 million fine as part of a consent order with the department for administering a National Rifle Association-sponsored insurance program in violation of state insurance laws.

It then justified the attack.

An investigation by the department found that Kansas-based Lockton Affinity violated various state laws and regulations in administering the Carry Guard insurance program in New Jersey on behalf of the NRA. Offering an insurance product marketed by the NRA that encourages firearm use is a serious violation of public policy and today’s executive order takes steps to limit such policies’ availability in the State.

The purpose of Carry Guard was to serve as insurance for law-abiding gun owners but anti-gun activists branded it as “murder insurance” and New Jersey’s government has bought into this perspective.

Murphy’s executive order also instructed state officials to ask every gun maker or retailer to disclose if they embraced best practices to reduce gun violence. It also tasked state officials to discover how these gun vendors screen for “straw purchasers, firearms traffickers, and people who have been banned from owning or purchasing firearms.”

“This is not intended at day one to be an adversarial act,” the governor said. “This is to express a broad statement of principles and values that matter to us deeply.”

Individuals who use a weapon in self-defense are will more than likely face a criminal trial or a wrongful-death civil suit, or both. Because of this new executive order, the financial protections that groups like USCCA offer law-abiding gun owners in New Jersey are eliminated, thus making it much harder for gun owners of humbler means to defend themselves in court.

The National Shooting Sports Foundation (NSSF) declared that Murphy’s executive order is clearly unconstitutional by trying to regulate interstate commerce.

“The governor views licensed and law-abiding small businesses that are just trying to earn a living and are engaged in the commerce of a constitutionally protected product [as] somehow the problem,” NSSF General Counsel Lawrence Keene said.

New Jersey is behaving according to its well-established anti-gun reputation. According to Guns & Ammo magazine, New Jersey is ranked at a dismal 50th place for best states for gun owners.

Murphy’s recent executive order will only reinforce the state’s anti-gun image.

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Texas Political Establishment Attempts to Derail Shelley Luther’s Campaign

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The special election for Texas’ Senate District 30 is on pace to be one of the most heated races in the Lone Star State.

At a candidate forum on September 18, 2020, Shelley Luther, the Dallas salon owner who was jailed for opening her business in defiance of Governor Greg Abbott’s shutdown order, confronted outgoing State Senator Pat Fallon.

Fallon vacated his seat and is now backing a successor in State Representative Drew Springer.

“We don’t want somebody who’s going to be at odds with our Republican governor,” Fallon said September 18 at the Grayson County Republican Women’s Club.

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Fallon added:

I didn’t support some of the things that he has done about opening up. … So, he’s made some mistakes. He’s our Republican governor, the 80/20 rule … because you’re not going to get any bills passed unless the governor signs them.

“Let me make something clear. I am accountable to my fellow citizens in Senate District 30. Not our Governor,” Luther responded on September 19 on Facebook:

This is exactly what is wrong with Austin. Our politicians are more loyal to Abbott than us, even when they disagree with him.

I will work with Governor Abbott when he is fighting to protect the liberty of Texans, and I will oppose him when he pushes unilateral dictates that shut down our local businesses.

Fallon and Luther had a tense exchange, which was caught on video.

“You want me to go all in on this race?” Fallon questioned Luther. “I have been 5 percent in on this race. You want me to go all in on it, I’m welcome to.”

“This has become a straight-up fight between Abbott and the ‘Kumbaya’ Professional Political Class vs. the grassroots and people who remember what limited government and principles should look like,” opined conservative activist Mike Openshaw.

“Respectfully, being willing to be jailed for fighting over-reaching government shows principle; that counts for something, Patrick,” Openshaw continued.

Luther has recently received endorsements from conservative Collin County Judge Chris Hill and Young Conservatives of Texas. Springer, on the other hand, received an endorsement from the Fort Worth Star-Telegram, which asserted that Luther was going down a “far right” path.

A Republican is expected to carry the senate district, which may still require a runoff if the leading candidate does not get enough votes during the first round of the special election.

Election Day will be on September 29.

Luther is viewed as the truly conservative option and many believe she could help break the political status quo in Austin that has kept conservative legislation from ever being passed.

 

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