Is this a "fool me once shame on you, fool me twice shame on me" situation?  How many times have we been promised and teased about insurance rates finally going down?  From all the evidence that's being presented as of today it looks like it's going to happen.  Hopefully for the last time, here is some historical perspective.  Our premiums are the highest in the country because we are the only state that requires drivers to purchase unlimited medical benefits through our insurer.According to nbc25news.com, the bills put forward are expected to win approval from the Republican-controlled Senate today.  The measures would allow drivers not to purchase  personal injury protection coverage if they have other qualifying health insurance coverage.  The legislation would also curb medical providers' ability to bill car insurers much more for care than health insurers pay.  So there it is.  What could possibly screw this up now?  Fingers crossed.