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Make all the excuses you want, the basic underlying cause for higher insurance rates has it's roots in "corporate greed". Most of the salaries that the heads of the insurance companies garner, along with "bonuses" etc. would make your head spin for months! I see no reason for the entire nation to be held financially responsible for the whims of these so-called victims of liability claims. Do you even think for one minute, that these insurance companies are actually loosing money? If so, then you have fallen victim to the oldest game in the business world. There MIGHT be a few insurance companies whose books are filled with red ink, but I would put that blame on mis-management, NOT unavoidable losses. Certainly the "call a lawyer" mentality has put a dent in the old profits, but that is the nature of insurance. After all, if YOU were going to be immune to claims against yourself, then why buy insurance? Sure, it's "Catch-22", but these folks make their fortunes on our insecurity. When their tail is in the fire, what do they do? They just pass the buck, in the form of higher premiums, and still have their mansions, yachts, etc. etc.etc.... <br /> Everybody looses here, except them....
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