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The federal government has capped the liability at the amount of available insurance, to avoid bankrupting the airlines.
Over the years, Conservative and Labour governments have increased national insurance to avoid being accused of raising personal taxes.
Mary Reed, 63, a self-employed writer in Austin, Tex., bought long-term care insurance to avoid burdening her three sisters, should she need the care.
The government has been keen to keep universal flood insurance to avoid European problems where swathes of once desirable urban properties along rivers have become uninsurable.
"I worked out that by 2025, $90,000 would be significantly below average weekly earnings, so the surcharge would come in at a lower threshold encouraging more people to take up insurance to avoid it.
Those who want to be sure of receiving every treatment that their own privately chosen physicians recommend, regardless of cost, would be free to opt out of Medicare for All as long as they can demonstrate that they have sufficient private health insurance to avoid becoming a burden on the community if they fall ill.
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"It is essential that the correct sum insured is declared at the start of any home insurance policy to avoid the risks of being underinsured when it comes to making a claim.
Mr. Rumsfeld also said he was required to replace his deferred compensation from the Kellogg Company, where he was a director, with an insurance policy to avoid potential conflicts.
If nothing else, as an insurance policy to avoid being usurped again by Japanese automakers, Detroit should also be investing more in fuel-efficient hybrid electric-gasoline vehicles like the Toyota Prius.
In this market, it would be very difficult for any sizable insurance company to avoid individual credit issues.
According to Mr. Winston of the F.T.C., the trusts contributed to the settlement through their insurance carriers to avoid "potential liability".
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com