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If a state requires all drivers to purchase auto insurance, insurance companies still face the problem of
Incus
A small anvil-shaped bone in the middle ear that, along with the malleus and stapes, helps transmit sound vibrations to the inner ear.
Stapes
The smallest bone in the human body, located in the middle ear, transmitting sound vibrations from the incus to the inner ear.
Malleus
A small bone in the middle ear that transmits sound vibrations from the eardrum to the incus; part of the auditory ossicles.
Free Nerve Endings
These are unspecialized afferent nerve fibers ending within the epidermis, responsible for sensing pain, temperature, and touch.
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