I am adding my two cents worth a little late to this thread but here goes anyway: When insurance companies first formed many years ago the concept was simple, a group of people banned together to help their fellow neighbor in a time of crisis and there was no thought of profit margin. Just share the burden during a crisis. WHERE DID THAT GREAT IDEA GO???? I read recently that the biggest reason the FOR PROFIT INSURANCE INDUSTRY was hiking all rates out of sight had nothing to do with settlements going up but was primarily centered around the insurance companies losses over investments in the stock market which went sour and a desire to continue to show a profit margin!!! WHO OUT THERE IS REALLY REGULATING WHAT THESE COMPANIES CHARGE PEOPLE??? I get the feeling that the insurance commissioners on the state level are just rubber stamping whatever the companies ask for when it comes to rate increases. Dave