if the contract states it, then i agree with you.

however, everyone in your state is not paying for their own damages. that's
not how insurance works. the costs get averaged over the entire insured
base, so the premiums from one part of the country (unless the company is
only selling in that part) is spread across the country to all insured being
covered in all areas.

seems that your increased rates are a result of the damages and increased
perceived risk in that part of the country. that alone will tend to drive
out both people who can't afford, or won't buy, insurance and companies who
don't want the increased risk. you'll be left with companies of last resort,
and they can basically write whatever they want into their contracts. if the
gov't forces them to have certain clauses, then the premiums will reflect
that perceived risk.

"RicSeyler" > wrote in message
...

I have a big problem with the Insurance Companies not providing what their
contracts state
they are responsible for. And as far as the "rest of the people" bailing out
anyone?!?! We PAY
insurance companies premiums for that. NOBODY is bailing us out.. The
Government is putting
liens on people's homes for trees they can't afford to remove at the
moment.. That's not giving us anything.....