Through the media, the insurance companies have propagated the myth that greedy lawyers and greedy plaintiffs who weren't really injured are the real reasons for high insurance rates. With the support of the public who came to hate the greedy lawyers and plaintiffs, the insurance companies then worked through the legislature to pass laws that made it extremely difficult to sue. For instance, in California, a $250,000 cap has placed on the maximum amount that can be awarded by a jury. Now, $80,000 is not an unreasonable amount that an expert witness might charge for testifying. When the lawyer for the injured considers that he will have to pay well over $100,000 to bring a case to trial, how much money is he going make if he wins only one out of four cases? Hes not going to make any money. He's gong to lose money! But that doesn't mean the doctor or lawyer, or other professional doesn't need the insurance to protect them. If they get sued for malpractice, they are going to need the insurance company to handle their defense so they can continue with their practice.



Therefore, it has come down to the fact that the insurance companies got there way and a lawyer will not handle a case unless it involves a very serious injury, such as traumatic brain injury. Thus, the average person who can not get the insurance company to pay a claim for a minor injury is shut out of due process. These things ought not be so, but it is the world we live in, enabled by ignorance and gullibility of the masses. The legislature and media have become mere tools of the insurance companies.



But professionals still need insurance. That's why we shop and compare quotes on liability premiums to get the best prices. Most everything in California is expensive these days, and so is liability coverage. When we find the lowest quote that offers the coverage that we can afford, we tell the agent that we want the policy for California professional liability insurance so that we are protected against the unknown.