I think the system (adjusters and courts) might be used to $15/$30k which may limit how often and how much they need to pay above that. If a lot of policies wen

I think the system (adjusters and courts) might be used to $15/$30k which may limit how often and how much they need to pay above that. If a lot of policies went up to that level, maybe the system would adapt, the payouts would increase more, and so would the premiums.