And they regulate everything, their regulation is what made makign health claims about e-cigs illegal.
As for the power and duty, I missed where we gave them that in the constitution. Unless you mean in the "can get away with it" sense. Studying for safety and spreading information is quite different than regulating.
"At the same time I shouldn't have to pay for injuries or damages caused by people using these things by raising my insurance rates."
And I shouldn't have to pay for baby boomers and their physical fitness obsession wearing out their joints, other couples choosing to have a baby, the heart health effects of that terrible food they eat, the mental and physical health problems caused by choosing to go war, and the damage caused to officers and dea agents in their fight in a pointless war on drugs. Oh wait, yes, we both SHOULD pay for those things because that is what insurance is for. I get absolutely no say or judgement in the health and safety practices of others, I have to pay toward their well being no matter the source and they have to pay for mine when I do something stupid and end up with a medical bill.
Stop judging your fellow citizens and fighting against their health care and start fighting to reduce the cost of the best care imaginable. Attack what matters, the pharmaceuticals industry, surgical health providers, and medical equiptment these are the places where a $20 procedure gets ballooned into a $20,000 procedure.