Agree with points 1 and 2. Point 3, though, is different- insurance companies wouldn't have to charge such high premiums if people weren't suing [insert litigateable class here].
Not sayign insurance companies re all benign andaltruistic, but they do figure out their costs pretty tightly and charge to cover it.
2 out of 3 aint bad. I see your point, I think.
The point I was trying to get across was that the premiums wouldn't be as high if people weren't suing...