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Having retired from the practice of law, I can assure you that insurance company and corporate propaganda which has induced you to believe the lie that it is common to sue insurers and companies without adequate cause was made up to manipulate you to accept, even support "Tort reform." You cannot sue a person who harms you without legal counsel; legal counsel will not take a case that is not winnable, to wit, not a valid cause of action, because aside from ethical rules, they don't get paid unless you win and you won't win. Remember when states allowed insurers to raise premiums for some doctors' malpractice insurance to $100,000 or more a year, on the basis that they expected a big increase in the number of malpractice cases? Well, the increase never came, but the premiums never went back to their previous level either, did they? Insurers are lying scam artists--but that's just my opinion based on my experience.
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