[Kevin]

Pi Kapp.. that makes good sense. If I am speeding and I get a ticket for going 45 over the speed limit, does not my insurance premium rise?

Should be the same for chapters. Would be a lot harder to administrate and at what cost to the higher-risk chapters?

Personally, my belief is that national organizations need to clean up their actions, practice real risk reduction and change their cultures in order to catch up to the times.

Many of these lawsuits are not frivilous. The responsible chapters are just being taken to task for something they've condoned for years. Who knows how many folks didn't seek retribution? We need to take the responsibility upon ourselves to protect our own brothers and sisters.

It's not the insurance company's fault that we need insurance, is it?