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It’s been a rough couple of months for our industry, to put it mildly. Spitzer’s crusade, compounded by Maurice Greenberg’s resignation from AIG (to say nothing of the dismissals of AIG’s Howard Smith and Christian Milton), have all combined to seriously tarnish the overall integrity quotient of the insurance industry.

As we move forward into “recovery,” it’s best to remember that insureds only interact with their insurers on two occasions. The first is when they take out a policy and must fork over a hefty premium; the second, when they have to make a claim.

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