I'm sure there is room for legislative reformation/changes in the insurance industry, but it seems to me that people that get hurt and go to a physician for help somehow thinks that the physician is God and is capable of doing wrong, but that his nature is not to ... consequently, the physician is at fault every time something goes wrong and it is an intentional malpractice by the physician.
Lawyers must figure in to this equation as well.
They too are somewhat of an elite entity in the eyes of the public and they promise to get some money for the client/patient.
All of this stems, IMO, from a wrong worldview that has developed because people no longer have life in a proper perspective.
Instead of,
"Don't touch that stove ... it'll burn you."
We have,
"Don't touch that stove ... it'll burn you. But if you do get burned, don't worry we'll get you money somehow."
Very true, and the trial lawyers and their political lackeys, the democrats, are the people who in the last 30 years have perpetuated this thinking, IMO.