Well if your a doctor, %2/%10 is %20 of revenue for the doctor, which feels large. AFAIK it's doctors or their hospital that pays for malpractice insurance, so

Well if your a doctor, %2/%10 is %20 of revenue for the doctor, which feels large. AFAIK it's doctors or their hospital that pays for malpractice insurance, so it come out of their pocket directly. They probably have stories of malpractice insurance not working that well, creating ruin for the doctors because of a relatively uncommon event, much like patients using the medical system.