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A debate over accident insurance claims is making the issue of increasing insurance cost a hot topic in legislature today.  Right now if someone is in an accident and are found to be even a little at fault, they receive nothing from their insurance.  The new proposal would change that but could also increase insurance by 3 – 16 percent in auto insurance and possibly for business and homeowners as well.  Some say the change is long overdue while others feel this is the wrong time to ask for more money out of household budgets.  What do you think?