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Most card players would refuse to play cards with a shower tub drain leak known cheat. In response to these issues, many countries have enacted detailed statutory and regulatory regimes governing every aspect of the insurance business, including minimum standards for policies and the ways in which they may be advertised and sold.
Many institutional insurance purchasers buy insurance through an insurance broker. Co-payments, deductibles, and less generous insurance for services with more elastic demand attempt to combat moral hazard, as they hold the consumer responsible.
Other factors affecting insurance prices
A recent study by PriceWaterhouseCoopers examining the drivers of rising health care costs in the U.S Massachusetts, Bondsville
Louisiana, Wallace
Ohio, Woodsfield
California, French Gulch
Oregon, Sherwood
New York, Niverville
Georgia, Hannahs Mill
Pennsylvania, East York
Florida, Kendall West
Minnesota, Deer River
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