Or use physical therapy, it's cheap.
Now imagine that was scaled up to a whole country. That's New Zealand. Check out the Accident Compensation Corporation. All medical costs related to accidents are automatically covered!
But who pays the costs! Everyone, via levies. How much? $2000 on a $150K IT income.
But how do you control costs? Who is entitled? Who is at fault? Surprise! It's a no-fault accident insurance system that covers all accidents.
In exchange for that, we gave up our right to sue in accidents for medical damages. Why pay a lawyer when they're not required?