It is quite apparent that insurance companies are doing well better than making a modest profit if one just scans television ads. Progressive, USAA, Liberty Mutual, Farmers, et al, make up the lion's share of ads on the shows I watch, and they would not be able to afford that many ads if they were not making money hand over fist. Why don't those companies reduce premium rates if they are making that much profit? Surely benefitting your current customers is a better business model than trying to pull in clients from other insurance companies? "Save over $600 per year by changing your insurance to us!" As a very small time rancher, there are only 2 things I need in quantity to keep my cows alive...hay and water. Several years ago, an electrical fire burned down my well house and all the components within. Texas Farm Bureau, the voice of agriculture, said it wasn't covered. Two years later, when a grass fire consumed 54 round bales of hay, that also was not covered. I was told, "perhaps if they had been in the barn instead of in a pen..." So, insurance companies will never get a pass from me. It is patently obvious that they have figured out the solution to maximizing profits while screwing customers. One of the pleasures of being retired from health care is having the ability to go and observe criminal trials at the local district court. I have to say that Froglaw is correct in that defendants AND the state get a fair and equal chance to state their case, after having a fair and equal chance to seat fair and impartial jurors. Our legal system moves slowly but exceedingly fine, and it is a model of fairness. Thank goodness for our court system and our judges.
