Hey Geo, I am with you, that was very commendable of you, Yes the bad claims hurt us all. Being a male and paying insurance for 37 years I hate the rates, and the really wonderful thing is it is hard to switch companies after you have been with one for years, No one seems to be competitive for that type insurer. I have tried and not once have been quoted a lower price with the same coverages. Interesting industry that is both abused and puts it to us honest people.