Doug Heller Insurance Quotations

Under the law, you are obligated to have liability insurance to protect the person you might hurt. Now, they are protected in case you cause an accident.

What (insurance companies) do is target urban areas and raise the rates. It's a problem. It's led to rampant discrimination in the insurance industry.

With limits on the rights of victims of medical negligence, insurance companies spend less money on patients and more money on insurance company lawyers, but insurers do not lower rates for doctors. Lawmakers looking to California as a model for malpractice insurance reform must understand that regulation worked and liability caps did not.

The story of earthquake insurance in California is one of cut and run.