You are correct. In my 52 years I've seen my share. I was never one to sue, I and my wife are hard working folks. I've paid taxes non stop sinse 1971, sinse I was 14 years old. Even when Suzy broke her arm on my sister's broken up padio by tripping over severly broken padio block, we did not sue her insurance. It was this brake that started it all. But one thing I will never tolerate is her rejection from what she paid for and is entitled to and that is her SSDI and medicare. I will never stop, never.