Have you ever had a major medical need? An emergency room visit? God forbid an ambulance take you somewhere?
I was in a car accident that was entirely somebody else’s fault. I was lucky it was their fault, not so lucky with the accident. And I can tell you for a fact that when it was all said and done, their insurance paid out 150k or so. I know the individual was on the hook for tens of thousands as well. Everyone was insured, all I had was one evening in the ER and some physical therapy. About 10 stitches if memory serves. No surgeries, no major drugs or medicines or emergency medical care beyond making sure I was OK in the ambulance, and I think the PT was about three months for my shoulder.
Again, everybody was insured and this guy had to spend tens of thousands of dollars. No surgery, not even 24 hours in a hospital.
No, I did not get any money. They bought me a new car for about $15,000 because mine was totaled. And now I have a shoulder that makes clicking and popping noises when I pick up my kids.
How does anything I wrote jive with what you wrote?
Edit: IIRC my PT who was not even done his training was being billed (because they don’t get the money they’re salaried) at $800/hr