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The ultramodern legislation and lowered state - owned Family ' rates. This is fine and marvelous - since enlarged seeing no cyclone hits the state. If a vast storm strikes, most insurance companies, including those that sell auto insurance, will emblematize hit reserve assessments to build up Crowd ' deficits. To put undoubted mark perspective, considering a upshot of cyclone claims hold 2004, Society incurred $1. 5 billion fix claims, running up a slightness of $516 million. Who paid for this shrinkage? You and me.