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<p>[QUOTE=&quot;imrich, post: 3079374, member: 22331&quot;]Yes, it is our responsibility for any decision we make, but if something is sold under false pretenses the other party has some responsibility. To what degree can only be generally determined by others.</p><p><br /></p><p>An example is the current insurance industry that is virtually unregulated. Typical examples are that you are required to have a personal liability policy to drive a car, but at least in our state that isn&#039;t a possibility. You can only buy a auto policy, and must have one for every vehicle. I have a &quot;fleet&quot; of cars, cycles, etc. and must have a liability policy for every individual vehicle, even though I don&#039;t &quot;carry&quot; collision, etc. as we have a &quot;no fault&quot; state where the insurer can claim equal responsibility. I have a perfect driving record without any accidents and just one ticket many years ago, but have policies on many generally undriven vehicles.</p><p><br /></p><p>I have never had any surgery other than my tonsils removed because my mother wanted/ordered that. Never had a doctor until recent federal legislation required a policy for same, and I was mandated to pay a 5 figure sum the initial year.</p><p><br /></p><p>I had lightning strike my home causing an explosion/fire, destroying virtually all electronic devices through-out my property including field mounted cameras, buried wiring, etc.. My insurer of more than 40 years supplying all my insurance denied my claim unless I could submit a quote from a singular company for all of the repairs, which no one would do. I paid a distant contractor to supply a quote for a portion of my security system replacement, which was rejected, and I paid for the repairs to prove that the insurer was fraudulent. The insurer stalled for 2 years until legal statute of limitations elapsed. The insurer then cancelled all insurance policies. State Farm had quadrupled their profits the previous year through claims denial.</p><p><br /></p><p>More than 50 years ago I purchased a whole life policy on my wife and son, paying through today, where my ex-wife is now dying of cancer, and I&#039;ve been told by the AG and CC departments that I, the &quot;policy holder&quot; initiating/paying all funds in the amount of a 5 figure sum, can&#039;t contact the insurer because the policies were sold/assigned to an unknown firm, who has disallowed my &quot;owner&quot; and beneficiary position. The CC (commerce commission) was awarded several hundred million dollars in a class action lawsuit against insurers for denial of Life Insurance policy due payments, but generally refuse private individual support.</p><p><br /></p><p>I could easily write a treatise on these, many others,&nbsp; justification for our states &quot;bullion&quot; legislation, and other &quot;class&quot; legislation required.</p><p><br /></p><p>I&#039;ve done my part to implement action, and warn others of the perceived client injustices, but you are correct, we citizens are partially responsible. YES</p><p><br /></p><p>JMHO[/QUOTE]</p><p><br /></p>

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