Insurance, when prices are based on risk, sends clear signals about the relative safety of behaviors and can alter consumer choice for a safer and more stable society. But when certain parties seek protectionist policies to socialize risk, responsible people end up paying for the risky choices of others.

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CEI Asks: Is a Beach House Bailout Next?

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Bad McCarty! Bad!

Will regulators never learn? You can’t force businesses to actively pursue a business model that is unprofitable. Florida’s Governor Charlie Crist and Insurance regulator Kevin…

Insurance