Insurance companies that once lobbied congress and state representatives suddenly realized that if they told their propaganda loud and long enough, the big lie would finally be believed. It has worked well. I routinely see insurance companies offer less than a victims out of pocket expenses even in cases of absolutely clear cut liability. The biggest rip off is on the smaller claims that a victim cannot afford to take to court and no attorney is going to take on a contingency basis. I have seen settlements and jury awards drop like a rock in water over the past 15 years.
Claims are down, settlements are down and jury awards are down.
Georgia just passed a good law designed to prevent subrogation as described above. Don't misunderstand, the jury system is still the best in the world. However, individuals crippled and killed by the negligence of others do not have the money or organization to lobby in effective opposition to the insurance companies blitzkrieg.