// JavaScript Document
document.write("Insurance costs continue spiraling upward despite tort reform. Today, carriers are somewhat immune to claims of bad-faith, deceptive adjusting practices, and even wanton disregard for the rights and health of policy holders. Doctors are increasingly compromising health services based not on patient needs, but on policy coverage for payments. Be aware, the cost of truly personal coverage is higher, but in many circumstances, pays for it’s self many times over if filing claims.")