Hospitals have insurance for malpractice. My friend is an OBGYN so he gets sued every time a baby is born with complications. His view on it is that the family

Hospitals have insurance for malpractice. My friend is an OBGYN so he gets sued every time a baby is born with complications. His view on it is that the family needs money to care for the child and the only way for them to get it is through his malpractice insurance. But, what do you think the difference in net-worth is between these two men? I don't think the hospital is to blame that one of these children was going to have the best education and the other wouldn't but you have to blame them to get the insurance payout. Plus, maybe the truck driver will do something like start a scholarship. In that case, I'd hope he gets much more than $300k.