Here is a good article responding to the US Chamber of Commerce attempts to paint all lawsuits as frivolous. http://what lawyersdo.com/2008/12/22/faces-of-lawsuit-abuse-a-response/. The Chamber has spent millions of dollars in an attempt to paint all lawsuits as frivolous. Their positions are ridiculous and at best disingenuous. Lawsuits are a necessary check and balance for ordinary citizens/consumers. The insurance industry spends millions of dollars protecting their "nest eggs" at the expense of injured individuals. If you are injured and in need of assistance in protecting you rights against an insurance company please contact Koning & Jilek, P.C. at www.koningjilek.com.