@Amil,
The filed rates are based on actuarial data, fact one: torts are totally out of hand with billboards, radio, tv, print ads for accident lawyers, fact two: cost of auto repairs are thru the roof with on board computers, airbags etc, fact three: fraud is off the charts with fake medical treatment, sham clinics etc.
Want to do something about the high cost of insurance push for tort reform.
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