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How do agents know whether an insured is making a poor choice due to cluelessness or deliberate decision? (Photo: Shutterstock)

Regular readers know I dedicate every July article to the topic of freedom as applied to insurance coverages. In the past, these have included freedom from conflicting policy language, freedom from bad coverage requirements, and freedom from overbearing certificate demands. This year I’d like to consider how much better our industry might be if we gave insureds the freedom to be stupid.

First, let me be clear. I’m using “stupid” not as an insult based upon lack of mental ability, but to describe a deliberate, knowing choice others who consider themselves more “professional” might deem ill-advised or even dangerous.

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