Personal injury cases typically involved insurance companies. One insurer I have always disliked is Allstate. Here's another reason to dislike Allstate. ALLSTATE PROFIT SOARS ON RATE INCREASES.

Allstate's profits were up 71%! Isn't it interesting how when these insurers announce profits they never cite "reduced tort costs" or "reduced personal injury claims" or "lower lawsuit filings"? See my February 7, 2003 post.

Whether it's homeowners insurance, medical malpractice insurance, car insurance or whatever, the fact is insurers try stick it to the people who pay the premiums, to those who get hurt, and those who help them, like me, in order to make more money. This is exactly why these companies constantly call on lawmakers to limit recoverable damages, fees, etc. Whatever happened to the "FREE MARKET"? And, if we must legislate in this area, then I propose lawmakers pass accross the board INSURANCE RATE CUTS?

If lawmakers really want to help accident victims, then they should pass a law prohibiting subrogation in all personal injury actions. This is where your health insurer, car insurer, disability insurer or worker's compensation insurer takes money from your personal injury settlement. This results often in the insurer taking 30%-50% of a personal injury settlement from the injured party. In other words, you pay your premium for health insurance, car insurance or whatever, and that same insurer gets to be paid again, but this time from the injurying party's insurance company taking a portion of the injured person's settlement proceeds.