oh so what you're saying is that the insurance companies have nothing to do with the situation??? lol, and you're going to believe an insurance agent. I have two uncles who are insurance guys and let me tell you what, I love them to death but when it comes to business, they are shysters!!! you must not know anything about insurance companies. They don't lose any money on auto accidents huh?? BTW, our rates have been going up for quite some time now. As a contractor, I work very close with insurance companies on structural claims and have a few friends who are insurance adjusters.............Let me put it this way, they are not you're friend