That's the thing. It's like anything else in life, people will always abuse anything that is beneficial. I think I'd rather have the cap and the lower rates than a bunch of people faking their way to lottery tickets, while my rates go up every year to balance it out.
Edit: I know there are actual cases of serious whiplash... Perhaps there should be a window for these guys to go to another cap level or something. I'm just not sure how you filter out the cons.
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