[RockSnake]

Klay, Please re-read my post.

I did not say that insurance created chop shops. I said that it caused a proliferation
(see dictionary.com: pro·lif·er·ate To increase or spread at a rapid rate). By refusing to pay for new parts, they exponentially increased the demand for used parts, ergo chop-shops.

Likewise, I did not say that insurance fraud does not exist. I said that the only concern insurance companies have about fraud is how it can be used to justify increases. I know from experience that they will do NOTHING about it.

As to the source of these facts...I lived it.