John Stossell does a very good job explaining how “insurance affects costs. The 3 words in the English language that causes the greatest inflation are “I have insurance”. Think about it….Call a plumber and tell him you have a leaking pipe upstairs. What will he do? He’ll come by, and give you 2 estimates, one will be the cheapest way to fix it, the other will be more. Tell him you have insurance, and he will likely not only do the more expensive method, but might replace a large part of your wall as well.