Most state insurance regulators approved terrorism exclusions for use by primary insurers. All types of car insurance are provided by several private insurers. The accident was predicted to cost the insurers and their reinsurers . This is meant to encourage competition between health care providers and insurers. They also "must balance the interests of insurers and medical providers". Calls from banks, insurers, and phone companies are out of the jurisdiction of the FTC. It affects individuals and public and private insurers. Private insurers charge risk-related contributions. Loss-making insurers would receive payments paid for in part by profit-making insurers. The risk corridors were intended to be funded by profitable insurers participating in the PPACA. It also allows a service contractor to shift the risk to its insurers. The increased market share gave them more leverage with insurers and reduced patient care options. FGIC incurred heavy losses, along with other bond insurers in the 2008 credit crisis. This was followed in 2001 by additional legislation imposing penalties on noncompliant insurers. Lerner began working as an investment analyst at automobile insurers Progressive Corporation.