In the states where there is tort reform it hasn’t lowered premiums a dime.
That’s because insurance companies use costs across the board to establish premiums. If there were tort reform on a national level it would. Or better yet, let’s just get rid of insurance companies altogether. After all, those are the idiots who brought us Obamacare thinking they would make a fortune.
All we would need is some kind of catastrophic insurance plan and just pay for the everyday stuff ourselves. I wonder how much costs would drop if we did that.