The biggest reason for ins cost increase is the fact you don't have to have ins- but the folks thst wind up with huge bills either string them out till they die or file bankruptcy. No one is that stupid, just get a lawyer for a couple hundred bucks and then walk off and leave the bill for the ins companies to pay- the costs don't go away, they have just been shifted to the ones of us paying for ins. And none of the ins is free, I'd be making another grand a month if my company didn't furnish ins.