The hypocrisy of the insurance industry is galling, yet utterly predictable. While lobbying in support of a bill to make texting while driving illegal, the Association of California Insurance Companies contended that, "The danger inherent in such activity is manifest." Nevertheless, the insurance industry is not really concerned with driver safety, but its bottom line. "If more and more people are allowed to sue for punitive damages, than claims payouts would be much higher. This over a period of time would force insurance rates upward," the Insurance Institute of America told NBC4.