TK, because that is the "basis" for pushing tort reform and limiting awards.....high malpractice insurance premiums. So, if you have a way of deciphering what is taken in and what is paid out then I'd like to see it. Here's the reason you can't produce it. Insurance companies took a bath on market investments and turned around and raised premiums to regain the loss on bad investments. Their "problems" and high premiums have nothing to do with malpractice lawsuits. And, until they prove otherwise I say we sweat them and offer no legislation that will directly benefit them.