We all have to have one type of insurance to suceed in life;my petition is to reform the auto insurance.I have had the same insurance company for over 5 years without one single claim,and now they want to raise my premium by $160 dollars a year this is unexceptable to me. My petition is to reform the insurance companys to have to return all or at least 75% of all the moneys paid to them if the insurie does not file a claim against the company after a set # of years.