63 years here, 38 in the commercial insurance biz ... when costs go down rates can go down. My company has lowered rates many times, but unfortunately costs of what insurance pays for doesn't go down often.
As to the comment on Michigan rates... Yes, you have a very bad law there, and the trial bar doesn't want it to change. When y'all get tired enough of it it can change, I am thinking tar and feathers might be some incentive for your "representatives". I follow the annual efforts to change it in the industry trades so I do feel your pain when efforts fail.
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