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But what exactly are those limits and how are they justified?To answer these questions, this Article articulates the leading fairness and efficiency arguments for and against limiting insurers . Insurance companies are in the business of discrimination. Insurers attempt to segregate insureds into separate risk pools based on their differences in risk profiles, first, so that they can charge different premiums to the different groups based on their risk and, second, to incentivize risk reduction by insureds. This is why we let insurers discriminate. There are, however, limits to the types of discrimination we will allow insurers to engage in. But what exactly are those limits and how are they justified?To answer these questions, this Article articulates the leading fairness and efficiency arguments for and against limiting insurers .

Posted by Anonymous at 3:19PM | (4 comments)

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Future states 3 and 4: For fully autonomous vehicles, vehicle owners whether a private individual or a mobility management provider may need comprehensive coverage, even though technological advancements may significantly decrease loss frequency in this category. For example, self driving cars would be difficult or impossible to steal, and could be programmed to seek shelter in the event of a severe storm or rising floodwaters. OS providers may choose coverage more akin to product liability policies to insure against new sources of risk such as malfunctioning hardware or software, flawed algorithms, or security breaches. Those that self insure may need stop loss or other types of catastrophic coverage. Future state 2: For shared driver driven vehicles, insurers may look to help these customers reduce their costs by offering coverage for subscription or per trip fees that the mobility management company can pass along as an added fee to their passengers. Instead of fixed term blanket coverage, drivers would be covered and pay on a trip by trip basis; companies such as Zipcar currently employ this model, including insurance in the cost of a trip. 9 There is an opportunity for insurers to forge partnerships with mobility management providers, and they might also consider creating new types of policies that cover drivers across shared mobility service companies or provide additional supplemental coverage for the driver and a vehicle shared across multiple drivers. Finally, self insurance may also pose a risk to traditional insurance companies. The largest shared vehicle fleet owners and autonomous vehicle manufacturers may choose to self insure similar to large commercial transportation and logistics companies today. The extent to which this will reduce overall premiums depends on the scale and concentration of the players. Insurers with the scale, relationships, and willingness to offer stop loss or other forms of catastrophic coverage policies may see this business to business channel increase in volume and importance.

Posted by Anonymous at 3:19PM | (5 comments)

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Their political careers would suffer!I only know of one in Alberta, Ralph Klein, who suggested that and the matter was dropped in short order. THE PROS:The above information is mainly about British Columbia, because that is where I live. Each province approaches basic health care a little differently, but health care insurance is reciprocal between all the provinces except for Quebec. This year my husband and I paid $650 for an annual travel health policy covering us for only 15 days at a time in the US. Our annual premiums for health care here in BC are about the same amount. We know many retired Canadian who no longer spend time in the US just because their health care insurance costs are so exorbitant.

Posted by Anonymous at 3:19PM | (1 comments)