well the insurance rates in the us are complete bull cookies because the insurance companies have policies to cover major incidents.
IE in the dallas area last month there was a major hail storm that has cost the insurance companies alot of money(area average has been $5000 a car , mine was over 9 (every panel has to be replaced and repainted, i basically get to choose a new paint job for mine), but it wont effect my rates or the insurance companies because they have a policy that covers there losses from the storm.
so i think that the 9/11 excuse for raising rates i completely ludicrious and just another way for the insurance company to bend the consumer over the barrel
the only good side about professional insurance is that i will be able to write it off in my taxes, and thats a good relief for a college student having to pay out over a months pay so i dont get sued( well then again if someone sued me they wont get anything because my net worth is about 0, but still i will maintain a professional decorum because i dont want anybody coming after me )