From The Monitor:

A new report from the Texas Public Policy Foundation and the R Street Institute helps illustrate how BAT may negatively affect consumers, especially in Texas. According to the study, if financial services are not exempted, Texas consumers would pay at least $3.39 billion in higher property-casualty insurance premiums over the next decade under the BAT. Here’s why:

Most Texans own multiple forms of insurance. Texas drivers are mandated by state law to have insurance, and it would be foolhardy to purchase a house without getting it insured. Insurance is everywhere and the companies which provide it are a key part of the economy.

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