How do governments restrict competition in the marketplace?

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time

i heard they are taking it off i hope this isn't true but otherwise if it doesn't get taken off it will probably be in early december or early january of 2018-2019