What type of data is collected and used for risk evaluation in the insurance industry?

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Is the insurance industry subject to taxation?
What documents do I need to obtain insurance?
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Is there a maximum amount of premium that can be charged by an insurance company?
Are there limits on how much insurance companies can charge?
How do insurers set different rates for different types of coverage?
How do insurers calculate the appropriate premium for a policy?
What is the role of the Insurance Regulatory and Development Authority in regulating the insurance industry?
What is the role of the National Association of Insurance Commissioners (NAIC)?
How is the insurance industry's reserves calculated?

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