If you have reason to believe that the insurance industry is colluding to artificially inflate prices, that's a criminal accusation. If you want to make crimina

If you have reason to believe that the insurance industry is colluding to artificially inflate prices, that's a criminal accusation. If you want to make criminal accusations you start with evidence. In my view, the insurance industry looks competitive, which means that even though these shady practices happen they can't effectively dictate the entire market.