>>Under our current system, any insurer can refuse to cover you for any number of reasons, or assign calamitously high premiums to you. If you can't afford ins

>>Under our current system, any insurer can refuse to cover you for any number of reasons, or assign calamitously high premiums to you. If you can't afford insurance, then you rely on charity. To force lower insurance prices than their risk demands is subsidizing them. Yes the oil, example isn't the best. How about getting the breaks fixed.