New Zealand has a national, no-fault insurance scheme, and as a result, far less anxiety about malpractice litigation.

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But not for Michael Moore, who decided that our imperfect system is the fault of insurance companies and more broadly, the free-market aspects of our health care system.

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Many homeowners who live near fault lines skip earthquake insurance.

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Private insurers cannot be at fault for all of these scams, but private insurance can be used as a vehicle for tricking seniors into spending money unnecessarily.

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