If you are declared guilty of a crime without being given a trial, you can state congress has given you

habeas corpus.
a bill of attainder.
an ex post facto law.
cruel and unusual punishment.

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time