Could it be corporate GREED? How do the justify charging so much more for insurance when the payouts for malpactice have remained static? In fact, it is harder now than it ever was to win a lawsuit and often times redress isn't sought because the system is so good at protecting doctors who screw up. Some states make it next to impossible to win a lawsuit and, of course, they attract the worst doctors who seek protection from their incompetence. It is so difficult to win a lawsuit that often times people end up living miserably due to a doctor's mistake. But studies have show that the payouts for malpractice have remained static, but the malpractice insurance has gone throuh the roof. The legislation insurance companies want is the type that doesn't may them liabile for anything while they rake in billions. And doctors just pass that cost along to consumers.