choice effect your insurance costs?
it's YOU the company is insuring, it's YOU the company is billing, no one else's actions should effect that.
if the insurance company cannot 'afford' to insure someone, they need to get out of the insurance business. the insurance company is supposed to KNOW what the risks are, and their business is to insure that no one else (other than them and the insured) will be financially effected.
if they cannot make money doing that, they need to be inanother business.
michigan constitution, article 1. Sec. 6.
Every person has a right to keep and bear arms for the defense of himself and the state.
keep your powder dry.
"Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote." Bovard 1994