[expatpat]

The fact is that premiums have to reflect what the claims will be in the future, since it takes several years of premiums to accumulate the $ to pay claims.

[rdcorso]

I don't agree with using caps when the system needs to use common sense.If a doctor makes mistakes his premiums should rise just like a driver who gets tickets and accidents.If a doctor screwed up and I had to have both my legs amputated along with my left arm that $250 thousand would be an insult.The juries should be taught how to value pain and suffering so we don't end up with cases where a plaintiff gets $200 million for spilling hot coffee on her lap.Those are the type of cases that hurt the system.