Referral Page for Personal Injury and Accident Claims in Hawaii
William H. Lawson, Attorney at Law
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Hawaii Personal Injury and Accident Law News and Cases
For the first 9 months of 2006, the property and casualty insurance industry has again reported record profits. The results from ISO and PCI show that the insurers' profits increased from $29.8 billion in 2005 to $44.9 billion in 2006 - an eye-popping increase of $15.1 billion. These profits look particularly absurd when the actual purpose of insurance companies is examined. Insurance companies were created in order to share risk through a pooled fund. Their only utility arises from paying out claims. Yet claims paid per premium dollar has been dropping for years. The insurance industry is simply a "middle man" who is keeping more and more of the funds that it handles each year.