Why can't you stay on topic? This isn't about insurers, or even tort reform. This is about frivolous lawsuits, which you claim do not exist. A person with no damages cannot file a lawsuit and win, you say. Yet it happens all the time. 50% of the lawyer commercials you see on TV are for "personal injury". The other 50% are class action. Both of which are generally predatory in nature, often push lawsuits that would not and should not exist but they make money regardless, and THAT is the whole point I have repeatedly made while you call me dumb and try to change the subject. You aren't terribly clever.