Maria, it's not how much you pay, it's how much you get sued. When Texas passed liability cap the insurance premiums did not go down.
The fear of being sued is why MDs practice defensive medicine, not the fear of big awards.
Tort lawyers mostly rely on stupid jury to award insane verdicts. If the cases were decided on merit by qualified individuals it would solve most of the problems.
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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу