Back when we first got back from Germany the ex- worked as NICU nurse at University of Chicago Hospital. And she carried Med-Mal insurance. Given that the population she dealt with was a lot of pre-mature babies born to drug- addled mothers, one of the easiest ways to call Bingo in Life's Lottery was to claim that the reason little Tyrese was gorked-all-to-hell was because the nurse taking care of him failed to dot a "t" on his chart.
It was costing us about $2k-$3k a year. Right up until my sister (the lawyer) told us to drop it. As she put it, "I don't care if you were off that week, if you have insurance, I'm suing you, because your insurance will want to settle without going to court. If you don't have insurance, you're not worth my time. I make it a policy to never, ever, ever sue poor people. What am I going to get from you? A couple thousand tops and 25+ years left on a 30 year mortgage. Not worth my time or trouble."