2022: FL insurers begged and passed tort reform saying they were suffering huge losses: https://www.crcgroup.com/Tools-Intel/post/florida-aims-to-rebuild-homeowners-market-with-reform-law#:~:text=On%20Dec.,take%20a%20more%20active%20role 2024: Two years later, insureds are complaining about insurance claim horror stories: https://www.newsbreak.com/news/3760973838784-two-years-after-reforms-lawmakers-share-insurance-horror-stories 2/24/25: Now, a previously unpublished 2022 report, obtained by the Miami Herald/Tampa Bay Times, indicates that insurer parent companies were steering billions of dollars to affiliate companies, all while

South Carolina’s unpopular Senate Bill 244, the “Insurance Welfare Act,” is being framed as a necessary reform to lower insurance premiums and supposedly curb frivolous lawsuits. In reality, it’s a blatant power grab by the insurance industry that shifts financial burdens onto accident victims, policyholders, and small businesses while allowing insurance companies to profit even