The destruction of the WTC and the damage at the Pentagon, as well as the killings and injuries sustained, and the aircraft destroyed, was an act of war. The cost of war is carried by the nation at war and when it is over, hopefully by reparations from the vanquished.
What is wrong with having the cost of the attacks in the USA being met by the USA government through taxation? This will let the insurance industry off the hook in this case and allow them to continue making their business at less swingeing rates. Part of the costs from any action like this in the future ( which I pray may never happen )should be attributed to the government of the country where the terrorists embarked. (This would provide an incentive to ensure proper security measures at airports.)
There is no doubt that our world has changed since September 11th. We must not let this horrendous event cause hardship and pain further than it has done.Let's get on with our normal lives. That is the best contribution we can all make to defeat terrorism. Are those who have stopped flying due to the perceived threat to danger in the air now going to stop breathing as the chance of a biological attack is promoted in the media? I despair.