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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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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