Do insurers have an ethical responsibility to minimize race, gender, age and other discrimination in underwriting, even if actuarially appropriate

This is a risk management course essay.
The prompt is:
Do insurers have an ethical responsibility to minimize race, gender, age and other discrimination in underwriting, even if actuarially appropriate?
2) Does society benefit by limitation on insurance practices? Or is society negatively affected by higher insurance costs overall when limitations on insurance practices are enforced?

Automobile financial responsibility laws require you to have some minimum amount of auto liability insurance. If the purpose of liability insurance is to protect you from loss caused by your negligence, why should the law force you to buy it? Do you think this is a decision for you to make? Explain.

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