I think the problem with leaving it all to premiums is that for things such as fires what everybody else does matters.
If everybody else has very flammable houses then the fire is going to spread and cause a ton of damage to _not houses_. The state really does need to clamp down on people using private land to cause public problems (like lack of water pressure in fire hydrants).
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I think the problem with leaving it all to premiums is that for things such as fires what everybody else does matters.
If everybody else has very flammable houses then the fire is going to spread and cause a ton of damage to _not houses_. The state really does need to clamp down on people using private land to cause public problems (like lack of water pressure in fire hydrants).