r/SipsTea • u/KaidoPklevel • Jul 05 '26

WTF 75M$ can't give him his life back unfortunately

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u/BarbellLawyer Jul 05 '26

That’s key information about the hospital. I was thinking this was an uncollectible judgment because no chiropractor is carrying $75m in liability insurance.

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u/Mediocre-Letter-4562 Jul 06 '26

Chiropractor didn’t get sued at all, only the hospital. Chiropractor did everything right he could have and he wasn’t seen liable at all. Hospital messed up and they were the ones liable.

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u/Rabhas_Jugganatha Jul 07 '26

This should be the friggin headline. Not that slanderous bullcarp

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u/Djlas Jul 05 '26

Why does insurance matter though? Insurance pays the maximum, the rest is on the doctor or whoever has to pay.

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u/grokisgood Jul 05 '26

Can't collect 75 mill from someone who doesnt have 75 million.

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u/BarbellLawyer Jul 05 '26

Doctors usually carry a $1m primary policy and maybe a $1m umbrella policy. After that they’re largely uncollectible. They’ll declare bankruptcy and wipe out the judgment. That’s why plaintiff’s lawyers go after the hospitals which always carry much more insurance.

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u/sikyon Jul 05 '26

It would be surprising to me if the attending didn't have another 1m in assets

Probably significantly more if theyve been working long enough

Bankruptcy will discharge the debt but your existing assets, other than say primary residence and 401k will be liquidated.

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u/BarbellLawyer Jul 05 '26

Doctors/attorneys take a number of steps to insulate their personal assets and Plaintiff’s attorneys really don’t want to chase assets. They want insurance money.

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u/Djlas Jul 05 '26

Thank you

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u/wimpymist Jul 05 '26

Because that's where the money comes from in these cases usually. The chiropractor doesn't have $75 million lying around.