> If there's a huge payout, sure. They're going to ignore you for a $10,000 case. The entire system basically doesn't work for a $10,000 case. That's probably

> If there's a huge payout, sure. They're going to ignore you for a $10,000 case. The entire system basically doesn't work for a $10,000 case. That's probably about the worst case scenario. For small claims you can have an abbreviated process because nobody is that worried about always getting it right when the amount in question is $400. When it's a million dollars then it's worth the time to go through the whole process. But $10,000 is enough that you can't just dismiss accuracy concerns yet not enough to do the things needed to actually address them. For example, you can get into federal court because you have a dispute between residents of different states, but only if the amount in controversy is also at least $75,000. Less than that and the federal courts won't even look at it. > That's only if you can get a ton of hours. A lot of people can't. That's when they have to take a second job or moonlight driving for Uber etc. > Insurers hate custom stuff and charge tons of money for it. Insurers hate bespoke stuff because their business is about pooling common risks. If you want to insure your Bengal tiger against the risk of contracting a tropical disease while being transported through Brazil then they're going to quote you the "get lost" rate. Common legal risks are often pretty predictable and they wouldn't necessarily even have to do much analysis. List the elements the claimant would have to prove in order to win and have the insured assert that they're true and specify how they intend to prove it. If they lie to the insurance company and that comes out in the proceeding then the policy is void and liars get what they paid for. If they told the truth then they have a predictably high probability of winning and that's the sort of risk insurance companies like.