Sure, the insurance companies hold fault as do doctors. On the other hand let's look at the true cause that started this; all that being frivolous law suits. I mean, come on, A woman gets clumsy and spills her coffee on herself resulting in a burn, blames the fast food place for having hot coffee and is awarded 2.7 million in the civil courts. She gets 2.7 million for spilling hot coffee that is supposed to be hot?
There is so much insurance fraud that 10% of payouts is fraud and that is only those finally known to be fraud. This equates to around 30 billion annually and the actual fraudulent payouts is likely MUCH higher . Then there all the frivolous malpractice suits filed against doctors. In such a case there are zero legal grounds against what the doctor did but civil courts do not require a legal basis and will award just because they feel sorry for the supposed victim. In today's world a doctor would be a fool to make a house call as someone is going to sue due to the doctor performing a service outside of a proper medical facility.
It is all a sad situation but, in my opinion, the real cause are the courts for allowing frivolous suit awards and the thieves that file such cases. The thing that allows this to happen is that it will cost the insurance company more to win than just settle out of court. As an example let's take a woman that I knew when I lived in Florida. If she were to be in a store and saw a wet spot on the floor she would fake that she slipped and fell claiming to be in pain. She would then settle out of court for a grand or two. This is the same woman that would complain about her son smoking pot but the real complaint was that he was stealing her pot to smoke.
Then there are people like myself that believe in what is right and proper. When I was biding time until retirement age, working at a local store running the photo department, a service group came in to strip the floors of wax and redo. Stepping on the stuff they use to strip the old wax is like walking on ice with oil on your feet. I, of course, fell which resulted in my hitting my head on the floor causing a bit of a concussion. I could have sued and it would have been an open and shut case as they put up no warning signs or anything as it was after the store was closed. Sure I could have sued but didn't as they offered to cover any medical expense and to make up for a couple of days that I missed work. To me this was a show of concern and a fair thing so I accepted. Sure I could have gotten a lot more but I don't want to ne one of the too many people that take advantage of 'the system' for personal profit.
LOL! Rant over.