My ideas are just that, see the previous post on believing in accountability.  Some are fact based some are based on the law some are my own logic.  Choosing to use them or not to use them is up to you not me.  At the end of it all these are your insurance policies I might just help you buy them smarter.

5/11/2015 Update

All of the above remains true.  I would adjust it to say, most are fact based and all are then complimented by;

1. An understanding of the law

2. An understanding of the industry