Of course the insurance companies are profitable - our wide open litigation system insures that they and the lawyers who attack and defend them make tons of money. It is the poor insured business owner, doctor, home owner, fill in the blank, who is forced to buy their product at ever more exorbitant rates who is being ruined in this litigious utopia you describe. The comparison with North Korea is specious. Our country, unlike any other democracy of which I am familiar, has a treble damages remedy. While technically focused on anti-trust cases, it has become the foundation of the US's well recognized litigation culture. Individuals and classes of individuals should have the absolute right to protect themselves from defective products (your pinto example for instance). But only here could a plaintiff class go after a perfectly working/ legal product because the maker should have known it could have fallen into the wrong hands. And because of our contingency model (only extant because of huge awards), plaintiff classes do not, as a rule, spend large sums of money. They will do a 60/40 split with the attorney and roll the dice. We desperately need tort reform in order to bring us in line with the rest of the developed world.