The real crisis presented by the breakdown of our medical malpractice litigation and insurance system is that the wrong people are getting most of the money. Often, the people who sue have substantial injuries but dubious liability claims, while many people with legitimate claims can't even assert them. As a result, many doctors are angry and resentful toward patients who bring frivolous claims, and many patients with legitimate but unredressed grievances are disgusted by their lack of access to justice. The sad result is a breakdown in confidence and trust between doctor and patient. And that produces a perception of poor quality health care, as well as a dysfunctional community. If you want to understand what this latest medical malpractice insurance crisis is about, a good way to start would be to dissect that phrase: "medical malpractice insurance crisis," because what we are dealing with is, in fact, three separate but related developments.