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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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