J_R ,
Also i agree the AMA should not discourage other company's to provide insurance but they do. What input can you ad to this other then a continued push to try to be the only one to do this sort of thing. I mean what do you think your car would run like with no competition. Or if the was only one company to build homes would the quality be good think about it dude. All Ive been saying the whole way threw this is open your eyes before you talk bad about insurance company's cause they all suck really. And I'm not die-hard UMA but the more competition out there the better service we will get as a consumer. See my point hope so got to go crash now but will research tomorrow on the other points you made.