One reason often cited for skyrocketing medical costs is the proliferation of malpractice claims. Physicians prescribe too many tests to avoid missing a diagnosis and inviting a lawsuit. Meanwhile, insurers charge high premiums to cover doctors in case they find themselves on the receiving end of a lawsuit. On the flip side, a tremendous amount of research goes into who is suing whom and why.

The results of this research and application to property adjusting may be surprising to many in the P&C realm, however.

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