Bernard is driving late at night down a narrow road when a deer runs across the road. Bernard doesn’t have time to avoid the deer and hits it. His windshield gets smashed and his bumper is partially ripped off, but Bernard is okay. What type(s) of insurance could Bernard use to cover this accident?

Arlent industries is a cement manufacturing company. the fly ash emitted from the factory is polluting the entire neighborhood. who bears the cost of the health care of the people who suffer from asthma that are living near the factory premises? a. the people, as it is a negative externality b. the company, as it is a negative externality c. the government d. the company and the people share the cost e. the government and the company share the cost