One side effect of the US not having universal healthcare (and overpaying massively for healthcare as one result) is that leaks into litigation on other insuran

One side effect of the US not having universal healthcare (and overpaying massively for healthcare as one result) is that leaks into litigation on other insurance for just about everything from cars to homes to retail business etc... Our non profit Parent teacher association and the schools themselves have to carry insurance for events in case someone happens to get injured.