So basically you’ve just priced poor people out of the courtroom. The lawyer is already fronting tens of thousands in costs and now we are upping the ante? The only people who could afford to litigate would be insurers. Which I guess is the point.
70% of premiums go to legal fees? If you’ve been paying $32000 for several years with no claims that stat wouldn’t make sense. You may want to look at who is in your risk pool and what your insurers historic profit margin is.