On 2011-01-23 22:04:29 -0500, Larry Jaques
said:

Look at how many people unnecessarily go to the hospital when a simple
bandage would do the trick. That alone drives up insurance rates.

And look at those who don't make the trip, figuring (incorrectly) that
the simple bandage would do the trick. Maybe they get lucky... and the
injury "sort of" heals. Result, a body part that "sort of" works, but
not at peak condition. Or perhaps an advanced surgical repair is needed
to correct the original damage PLUS the damage done by not attending
properly to the injury in the first place.

Now who's run up the insurance rates, hah?