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Ronfar's avatar

As a matter of public policy, you can't insure against intentional torts - acts done with the deliberate intent to hurt somebody. If I assault someone, my insurance doesn't have to pay their medical bills.

Also, life insurance is actually required by law to cover suicide if the policy is over two years old.

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Tom Murin's avatar

You are mostly correct. A part of the larger payouts has to do with medical expenses. A patient that would previously die now lives longer (for example, what we call "bad baby" cases). The "Wrongful Birth" cause of action is probably the only legal change that I can think that has contributed to payouts.

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