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One should ask his agent or insurance provider for the most reasonable policy when obtaining coverage.

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The insurance market is very dynamic and comparing prices will allow drivers to find advantageous policies in their area.

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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.

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During that time, it gathers information from various factors, including when you drive, how much, how you brake, among others, to create an overall picture of your common driving habits.

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Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region. Several Canadian provinces British Columbia, Saskatchewan, Manitoba and Quebec provide a public auto insurance system while in the rest of the country insurance is provided privately . Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no fault insurance available to accident victims.

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This Comment advocates a revision of the existing antitrust guidelines that would 1 recognize unique nature of health care market, 2 be independent from the current or proposed legislation to the maximum possible extent, and 3 reflect the insurer provider duality, which heavily influences the quality and accessibility of the healthcare for the consumer.

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