This article analyzes how Texas county mutuals rose to this position, why they have a regulatory and marketing advantage in today's automobile insurance market in Texas, and what the future may hold for them.
For years now the debate has been raging in the public media as to whether or not there is systemic fraud in the field of automobile accident and No-Fault insurance. Industry spokespersons have long been pointing to "phony" lawsuits and illegitimate claims pressed by felonious claimants and their dishonest lawyers and doctors, all with the purpose of invading the insurance policies that some of America's largest and most profitable corporations sell to drivers at exorbitant rates.