The remaining insurers are typically physican-self insurance companies, that don't make a profit. You are either colossally misinformed or something far worse.
Most of the abuse of the Torts system is for the small claims. Its cheaper for the hospital to pay out $3K to settle a BS claim than it is to litigate it. When you get into mulit-million dollar wrongful death cases the plaintiff has a pretty tough job of proving actual negligence in most cases.
The real variable in Torts awards is the jury. In some places, the desire to punish the wealthy is the motivator. In a case in Knoxville not too long ago that I know about, a clear cut case where the defendent was probably criminally negligent was found for the defendant because one juror didn't care what the defendant did, because it was god's will that the plaintiff died.