It is illegal in Australia to drive without insurance to cover bodily injuries to third parties. Other types of insurance, for example, to cover damage to vehicles due to collision, fire, or theft, are optional. A person may have to pay higher car insurance premiums in Australia if they are under 25, male, a new driver, have a job that requires driving, live in a high-risk area, or typically drive longer, and if they have past claims and traffic violations. What would be the efficiency and equity implications of prohibiting the use of any one (or more) of these factors in setting car insurance rates?