 A businessman says his insurance rates are up over 40% and he's not sure how long he can take it. Todd Hine, owner of Hine Environmental Services, a small waste services business in Sulphur, says he's been told auto insurance rates are going up because of the state's legal climate. He likens it to a casino. And you have these people that every now and then if they get in an accident, they'll hit the jackpot. But we as the citizens pay for it every single day. LRN.