The question regarding who ought to regulate the industry of insurance was a topic in debate in the U.S. since the Civil War time. The State continues to regulate insurance in spite of many challenges over the years to authority of theirs. The support was received in favor of the authority of States over insurance in the decisions of several courts until the case of Southeastern Underwriters in the year 1944. There was determination of the clause of commerce of the Constitution by the Supreme Court that was applicable to insurance & that companies of insurance were dependent on antitrust federal law.