Most people will tell you they are fed up with high insurance rates, fraud and waste in medical auto and homeowners insurance. The standard answer by insurance companies is tort reform.
They claim that if you simply stop lawyers from suing them, they would save so much for you in premiums. Of course they proclaim this as a way of getting much more. If they can preclude lawsuits, then they are also free to act without care or regard to others in their charge. They can avoid setting up procedures to ensure their insureds are treaeted fairly. These actions cause death as in this article about tort reform failures.
Health insurance companies protected by ERISA have a free ride, and cannot be sued for monetary damages when they wrongfully deny coverage to a woman that needed a liver. . A young woman died because of this callous attitude that insurance companies have when they face no consequences for their actions.
We all agree that insurance costs for health care have gone up more than any other area, yet most people carry insurance through their employer and are precluded from suing for damages and injury when insurance companies fail to act properly. That is becasue tort reform does not save dollars, it simply reallocates them to big business and those that run companies.
Simply say no to the basic protects of our tort system, developed over 300 years, that make companies and insurers act properly or pay the consequences.