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All states, of which I am aware except maybe New Hampshire, require automobile owners to insure their vehicle (a few allow people to self-insure).Yet, studies

All states, of which I am aware except maybe New Hampshire, require automobile owners to insure their vehicle (a few allow people to self-insure).Yet, studies show that having insurance actually increases the likelihood of an accident and increases the likelihood of a car / bicycle accident.Discuss why this is so.Who is protected and who is harmed by required automobile insurance?

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