....its the hundreds of spurious lawsuits that never make the courts. Easier and cheaper to defend by giving up. Insurance pays. Then they raise rates to continue to make profits.
Lawyers get rich. Insurance companies get rich. Services get more expensive...so those who don't sue get hurt.
I agree its a get rich quick mentality that is spurning it on...but the system fosters it by these idiotic rulings that make all the press.