If an insurer is approved to sell auto insurance that provides a $100 refund after one year if the insured is accident-free during the year, why is this not rebating?

Explanation :

          An auto insurance or vehicle insurance is an insurance for trucks, cars, bikes  and other road vehicles which provide financial protection to any physical damage or injury which results from any road side accident or traffic collision. It also covers insurance of the vehicle in case of theft.

         In the context, the value offered to make a sale is only the rebate if this is not included in the contract of the insurance. Therefore, in this case the hundred dollar is not rebate but a part of the policy.

panem is a communist totalitarian dictatorship where all the resources and how they are allocated belongs to the capitol. the districts exist only to provide goods and services for the capital and most of the citizens live in poverty. it is a police state where the "peacekeepers" use force and threats to keep the people under control. dissent is outlawed and those who disobey the law are executed, flogged, or turned into avoxes. the games are another means in which the ruling elite in the capitol exert their power over the districts. when reading the books i drew parallels between panem and the soviet union and north korea. in no way is panem capitalist. the people in the capitol are wealthy but the majority of them are involved in the government somehow. it was the same way in the former soviet union where bigwigs in the communist party and high ranking government officials were given access to goods, services, medical treatments not available to the general public. if you think panem has a capitalist economy you need to brush up on your economics.  

when your a dog and you need a bone.   go and eat a rabbit