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And the premiums they pay...

in the risk pool are significantly higher than those who exhibit a lesser risk. Good luck to those in this pool buying a new car that requires full coverage.

Until the cost of health care goes down, as I've said before, the cost of insurance won't go down. Forcing an insurance company to take one and all, regardless of the risk they present, will only cause premiums to go up. One major medical claim will consume multiple times the premium an individual will ever pay in premiums.

File too many claims on your homeowner's insurance, and they'll drop you in a heartbeat.


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