greatidea, Donuel.......that might make a difference. One of the huge issues here,of course,is if you are insured there is not an incentive to do much to change the system and if you are not insured, you are frequently too beaten down to do anythng about it. I am so angry right now it makes me sick.   BUT I really do think that finally things might start to change -- someone commented way back now that the impact of this horrible system is beginning to work through and impact some of the wealthy - via increased prices for cars to offset cost of insurance - there may be changes coming.........