It's not the right time to have a decision about a federal backstop for disaster coverage. We don't think the entire country should be subsidizing people living in coastal areas.

You want a vehicle that's going to crash and crumple in a controlled way, so you don't get a lot of sharp metal intruding into the car,

People run red lights because they think they can get away with it, and they don't want to sit and wait for the light. For the most part it's a deliberate act.

Sometimes it's as simple as asking other businesses who insures them. That way you know the broker is already familiar with what types of coverage you may need.

We don't want the government displacing us or being in our way.

This will be one of the - if not the - biggest single event in terms of insured losses in U.S. history.

There are a lot of people who think insurance is all-powerful, and that if we do something, then suddenly people will behave a certain way. Would that were true -- we'd have no drunk drivers or speeders.

It is not surprising that public officials in Louisiana are trying everything they can to recover dollars for those whose lives were devastated by Hurricane Katrina. But insurance contracts are contracts.

We're operating in primitive conditions. The size and scope is bigger than anything we've ever seen.

There are going to be all sorts of claims that are not settled for a long time.