From Insurance Journal:

When Marlett teaches North Carolina’s system as one that tends to cap costs for higher-risk drivers and charges good drivers more, his students are outraged they may be subsidizing someone else. Marlett reminds the 20-somethings that as a driver in his mid-40s, he’s likely subsidizing them.

“The reason I can live with that is because I want to make sure you all have insurance,” Marlett tells his students. “If it’s too expensive, and you guys can’t afford it and start driving uninsured, then that’s going to have an impact on all drivers.”

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