I think that was sarcasm on JD's part. Just think what would happen if you took out the eye of a trial lawyer, or a doctor? They'll sue for lost income, emotional damage, physical pain and suffering etc... If your insurance policy isn't enough to satisfy them, they'll sue up and beyond your coverage. When the insurance company has 2+ million on the line to lose if they don't lawyer you up well, they'll fight on your behalf allot harder.