The victims of the violence are black and white, rich and poor, young and old, famous and unknown. They are, most important of all, human beings whom other human beings loved and needed. No one – no matter where he lives or what he does – can be certain who will suffer from some senseless act of bloodshed. And yet it goes on and on.
–Robert F. Kennedy, April 4, 1968
Senator Robert F. Kennedy announcing the murder of Dr. Martin Luther King, Jr.
What should the surviving victims of gun-massacres do to seek redress?
And how can the relatives and friends of those who didn’t survive seek justice for those they loved?
Two things:
First, don’t count on politicians to support a ban on assault weapons.
Politicians–with rare exceptions–have only two goals:
- Get elected to office, and
- Stay in office.
And too many of them fear the economic and voting clout of the National Rifle Association (NRA) to risk its wrath.
On July 22–only two days after the Century 16 Theater slaughter in Aurora, Colorado–U.S. Senator Ron Johnson (R-Wis.) said: “The fact of the matter is there are 30-round magazines that are just common all over the place.
“You simply can’t keep these weapons out of the hands of sick, demented individuals who want to do harm. And when you try and do it, you restrict our freedom.”
That presumably includes the freedom of would-be mass murderers to carry out their fantasies.
Second, those who survive such massacres–and the relatives and friends of those who don’t–should file wrongful death, class-action lawsuits against the NRA.
There is sound, legal precedent for this.
- For decades, the American tobacco industry peddled death and disability to millions and reaped billions of dollars in profits.
- The industry vigorously claimed there was no evidence that smoking caused cancer, heart disease, emphysema or any other ailment.
- Tobacco companies spent billions on slick advertising campaigns to win new smokers and attack medical warnings about the dangers of smoking.
- Tobacco companies spent millions to elect compliant politicians and block anti-smoking legislation.
- From 1954 to 1994, over 800 private lawsuits were filed against tobacco companies in state courts. But only two plaintiffs prevailed, and both of those decisions were reversed on appeal.
- In 1994, amidst great pessimism, Mississippi Attorney General Mike Moore filed a lawsuit against the tobacco industry. But other states soon followed, ultimately growing to 46.
- Their goal: To seek monetary, equitable and injunctive relief under various consumer-protection and anti-trust laws.
- The theory underlying these lawsuits was: Cigarettes produced by the tobacco industry created health problems among the population, which badly strained the states’ public healthcare systems.
- In 1998, the states settled their Medicaid lawsuits against the tobacco industry for recovery of their tobacco-related, health-care costs. In return, they exempted the companies from private lawsuits for tobacco-related injuries.
- The companies agreed to curtail or cease certain marketing practices. They also agreed to pay, forever, annual payments to the states to compensate some of the medical costs for patients with smoking-related illnesses.
The parallels with the NRA are obvious:
- For decades, the NRA has peddled deadly weapons to millions, reaped billions of dollars in profits and refused to admit the carnage those weapons have produced: “Guns don’t kill people. People kill people.” With guns.
- The NRA has bitterly fought background checks on gun-buyers, in effect granting even criminals and the mentally ill the right to own arsenals of death-dealing weaponry.
- The NRA has spent millions on slick advertising campaigns to win new members and frighten them into buying guns.
- The NRA has spent millions on political contributions to block gun-control legislation.
- The NRA has spent millions attacking political candidates and elected officials who warned about the dangers of unrestricted access to assault and/or concealed weapons.
- The NRA has spent millions pushing “Stand Your Ground” laws in more than half the states, which potentially give every citizen a “license to kill.”
- The NRA receives millions of dollars from online sales of ammunition, high-capacity ammunition magazines, and other accessories through its point-of-sale Round-Up Program–thus directly profiting by selling a product that kills about 30,288 people a year.
- Firearms made indiscriminately available through NRA lobbying have filled hospitals–such as those in Aurora–with casualties, and have thus badly strained the states’ public healthcare systems.
It will take a series of highly expensive and well-publicized lawsuits to significantly weaken the NRA, financially and politically.
The first ones will have to be brought by the surviving victims of gun violence–and by the friends and families of those who did not survive it. Only they will have the courage and motivation to take such a risk.
As with the cases first brought against tobacco companies, there will be losses. And the NRA will rejoice with each one.
But, in time, state Attorneys General will see the clear parallels between lawsuits filed against those who peddle death by cigarette and those who peddle death by armor-piercing bullet.
And then the NRA–like the tobacco industry–will face an adversary wealthy enough to stand up for the rights of the gun industry’s own victims.


CALIFORNIA DEPARTMENT OF INSURANCE, CALIFORNIA INSURANCE COMMISSION, CALIFORNIA STATE ASSEMBLY, CALIFORNIA STATE SENATE, COBRA INSURANCE PLANS, FACEBOOK, MEDIA, MEDICAL INSURANCE, SELF-HELP, TWITTER
STOP INSURANCE RIP-OFFS
In Business, Self-Help, Social commentary on April 15, 2013 at 12:07 amAn insurance company suspends your medical coverage for months–or longer.
Even though you’ve faithfully paid all premiums for your medical insurance–and have the records to prove it.
Think it can’t happen to you? It did to a couple I’ll call Diane and Mike.
Mike worked as a paralegal for a Los Angeles law firm. He was getting health insurance for himself and his wife, Diane, under a COBRA arrangement.
COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It’s a Federal law that was passed by Congress and signed by President Ronald Reagan.
One of its provisions creates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment.
But a COBRA can sometimes act the same way the deadly poisonous snake does–with unpredictable and lethal results for those depending on it.
In this case, after Mike left his law firm to work at another, he found the COBRA didn’t operate as it was supposed to.
A snafu developed, involving
Each of these institutions blamed the other for failing to provide appropriate information.
So the insurance company suspended Mike and Diane’s health insurance–completely ignoring their medical needs.
Then, one day, Diane called me on an unrelated matter. During the conversation, she let slip the suspension of her medical insurance.
I was stunned at the news–and outraged when she said this had been going on for six months.
At once, I offered my services as a troubleshooter. She accepted.
I decided to call the office of my State Assemblyman. In California, the 80 members of the Assembly serve two-year terms, and are limited to being elected three times.
The 40 members of the State Senate serve four-year terms, and can be elected twice.
Because they face re-election sooner, members of the Assembly must stay closely attuned to resolving their constituents’ problems. That’s why they employ staffers who are experts at navigating through the maze of State agencies.
And State Senators make certain their offices are equally well-staffed with such experts.
When I called my Assemblyman’s office, I didn’t ask to speak with him. I knew I was too politically unimportant to rate a direct chat at that level. And I didn’t need to talk with him, anyway.
I simply told the secretary that I wanted to speak with the office’s specialist on insurance.
California has an Insurance Commissioner who directs the state’s Department of Insurance. The mandate of this agency is to license, regulate and examine insurance companies.
Soon I was speaking with Frank, the Assemblyman’s expert on insurance matters. I quickly explained the problem my friends were having. And, to my surprise, I found that he and I hit it off right away.
Frank said he had a friend–Steve–who worked as an investigator for the Department of Insurance. Then he generously offered to put me through to him. I thankfully accepted.
Soon Steve and I quickly found ourselves getting along well. Then he asked me: “What’s your friend’s number?”
Diane hadn’t authorized me to give her number to anyone, but I decided to forward it. If Steve was that interested in examining their problem, I wasn’t going to throw a damper on his enthusiasm.
Soon Steve and Diane were discussing the situation.
And shortly after that, her insurance company got an unexpected call from the Insurance Commissioner’s office.
The message was simple–and blunt: Restore that coverage–now.
And, within 48 hours, it had been fully restored.
There are several important lessons to be learned here:
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