02/04/2026
“This data shows that many insurers remain financially strong and able to generate large profits, even while they have asked policyholders for substantial rate increases. That disparity between rising premiums and rising profits matters when the industry wants to divert our attention to their increasing.”
"We write today on behalf of the Alabama Association for Justice in response to the recent reporting on the Alabama Department of Insurance’s liability insurance claims cost report, which claims rising liability claim severity and large verdicts as factors in higher insurance costs across the state.
We agree that the cost of liability insurance is an important concern for Alabama families and businesses. It’s understandable that rising insurance premiums attract attention from policymakers, insurers and the media.
But it is equally important for the public to understand why these costs are rising — and who bears the burden of those increases," Clint Mountain writes.
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