When I lived in the Houston area back in the 70s & 80s, a local doctor had a sign as you entered his office stating that he did NOT carry malpractice insurance. Stating that the premiums had been driven to extreme rates due to frivilous lawsuits and out of reason jury awards. He said that IF you chose him as your doctor, you did so knowing the situation and that you were coming to him for MEDIACAL advice and service and NOT as a potential source of money.
Well it all makes sense in the liberal communist world.