While this case may not represent an extreme case of extortion it does give reason to ponder the connection.Insurance companies tout themselves as representing peace of mind, protection and security, but at what cost. Over the past 10 years, I have spent roughly 20,000 dollars in car insurance, what have I claimed? Easily less than half and I totaled a car. Is insurance just a form of legalized gambling protected by government? The McCarran-Ferguson Act of 1944 exempts the insurance industry from antitrust laws, so here we are again without a choice; collusion is the rule not competition.

Many states are screaming about this controversial issue and some states such as California have had some success, but with protection from top government what can consumers do? I have personally written the Governor of Pennsylvania about the subject, one of my main questions was; “I am a concerned citizen. Recently I noticed my car insurance rates increasing at a substantial rate.

The response I received from the Department of Insurance follows:This letter is in reponse to your complaint filed with the Pennsylvania Insurance Dpartment through Governor Edward G. Rendell’s correspondence office regarding the use of credit as an underwriting tool for automobile insurance in Pennsylvania.I have read through your concerns and it appears that you are questioning the underwriting of automobile insurance. Specifically, the use of credit in determining eligibility.

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