“..My hatred of insurance companies knows few boundaries. There are a few decent ones out there (like USAA), but the rest are a bunch of utter scum..”
Understand that almost all insurance rates are set and regulated by State Insurance Commissions. So, if there is a problem, it is really with the State regulators, which are either headed by appointed or elected officials (AKA political hacks).
The regulators come from the insurance industry, or they are looking forward to joining the industry they finish their service on the commission. is self regulation, without being so from a technical point of view. So I still hate the bastards.