Would you prefer a system like the US, where large awards are meted out, with little hope of receiving compensation, because most average people don't have that kind of money? That's why we have insurance. The premiums of the many, pay for the losses of the few. Btw, what's more likely to be causing higher premiums, is the day-to-day frauds, perpetrated by individuals, clinics, legal reps, etc. THAT is nickel & diming the system, to death. If you know of one, report it.