"The company usually pays". Put your fork down and think about that for a second... let's say I do some kind of harm to you...you'd be okay with a guy that I p

"The company usually pays". Put your fork down and think about that for a second... let's say I do some kind of harm to you...you'd be okay with a guy that I paid and picked determining my liability to you over the normal justice system? And if it is so great for consumers, why not let them choose to do that? Why force it on them?