This one is no good either. Did you hear the insurance companies complaining a few years ago when they were rolling in the dough due to their investments? No. Were they lowering ins. rates? No. They are not paying out any more in claims (according to a recent study), but the stock market is down and they aren't making as much on their investments.
We do not need a cap on pain and suffering.(Do you think a lady whose doctor misdiagnosed cancer and removed both breasts should have the amount of her claim capped by the general assembly or decided by an informed jury?)