Collision Insurance Requirement and Traffic Safety Act in Gonzalez vs Essay

Collision Insurance Requirement and Traffic Safety Act in Gonzalez vs. Raich's case - Essay Example This paper illustrates that the individual mandate will be a crucial part of the CIRTSA’s plan to reduce car accident costs. If individuals do not have to purchase insurance, then the companies offering the service cannot ensure others who are affected by accidents. It is possible to argue that, under the Commerce Clause, Congress can regulate those activities that will significantly impact on interstate commerce by contending that the motor insurance market is a significant player in the national US economy. Therefore, uninsured drivers will use roads and fail to pay for the billions of dollars the sector is worth annually, shifting the costs to society and significantly impacting on interstate commerce. The US Supreme Court ruling in Gonzalez vs. Raich relied in part on Wickard v. Filburn, which can be, in this case, to hold that the refusal of many individuals to buy collision insurance would substantially impact on the market for collision insurance. This is because even i f, the activity of the individual may not be considered commerce, Congress could still treat it as such because it exerts substantial effects interstate commerce economically, especially if many people lose their livelihoods, such as with Robert Doe. A substantial number of Americans will require collision insurance at some point and, if they do not purchase insurance, they will be shifting their costs to other individuals. This law should be introduced as a regulation for how people pay for their likely collision insurance. Finally, if the Act is challenged in court, it can be argued that laws must be presumed constitutional if it is impossible to prove otherwise. Because Congress is entrusted by the Constitution with policy decisions, the courts should rarely interfere with its policies. The second argument could come in if the Commerce Clause is found insufficient to support CIRTSA’s individual mandate. In this case, the mandate should be upheld as being within the powers of Congress to lay taxes and collect them.

Furniture industry analysis Essay Example | Topics and Well Written Essays - 750 words

Furniture industry analysis - Essay Example Therefore, our business will aim at closing the gap by providing them with well refurbished furniture at a lower cost. With the increasing level of globalization that is being pushed by the liberalization of markets, efficient flow of information, and integration of competition, any industry is at a higher threat of new entrants (Hooley, Piercy, and Nicoulaud 65). This aspect has opened up the market for the multinational companies which have a huge financial base to segment the market, position their products strategically in the market, and attract customer loyalty towards their products. With the increasing number of people who are attaining a middle income status, the demand for furniture is likely to increase tremendously (Pfeffer 76). However, there are only few suppliers in the market. Therefore, these people are likely to look for second products that are well refurbished. This will attract the interests of new investors who will be eyes a share in the market. With the increasing demand for the furniture, more companies will try to outsource their operations to countries with cheap labor and easily accessible raw materials to make high quality furniture (Lawrence and Weber 19). These products will be cheap despite being first hand. This is likely to threaten the competitive advantage of this business because customers are likely to shift towards these products. With the increasing numbers of competitors in the furniture business, the customers will have a stronger say in the market (Keller 87). This is because every firm will be trying to win the customers’ loyalty. Therefore, the customers are likely to dictate the prices of the commodities in the market. Furthermore, the entry of cheaper products once the companies start to outsource their operations to different parts of the world will increase the bargaining power of the customers. This will make it hard for the firm to dominate the