Should the insurance company still have to pay to fix your car? That may sound like an idiotic question. If you wanted collision insurance, you should have bought it before the accident. But it's essentially what Gulf Coast trial lawyers are trying to pull in the aftermath of Hurricane Katrina. The storm wrecked tens of thousands of homes and businesses in Louisiana, Mississippi and Alabama. However, many property owners living in flood plains didn't have flood insurance. Since the vast majority of Katrina's damage was caused by storm-surge flooding, the uninsured are on the hook for their losses because they...