Commercial ad

It seems that many insurance companies have really been trying hard to use humor with their ads in the last couple of years. I always get a kick out them because most of the time their just bashing on each others companies policies, beliefs, etc. I went with this video, http://www.youtube.com/watch?v=CNLPfnTDCsU. I think this commercial is perfect because it has humor and appeals to emotion. While at the same time makes another company (in which they do not name but we all know who they are) look really bad. I have always wondered if its right that they can do this to each other.