Congratulations on an accurate and well-reasoned editorial, in which you blame the insurance industry for the so-called "liability insurance crisis" because of: (1) the insurance industry's exemption from antitrust law; (2) the lack of regulation of insurance premium increases; (3) the insurance industry's anti-competitive pricing practices.
Further, you correctly stated that "there is little evidence to suggest that reforming the legal system would make insurance cheaper and more available." However, where were you with this position during the Proposition 51 campaign, a campaign orchestrated by the insurance industry to fatten its already bulging pockets?
