"The Swedish system begins, like U.S. “health court” proposals, with an insurance component. This is where the great majority of Swedish claims are settled. The insurance adjuster confers with doctors and medical advisors who are specialists in their fields and decides within a year whether to pay the victim this extra amount above what the government is already paying. Compensation is based on each victim’s specific injury. Non-economic (i.e., pain and suffering) damages, based on age and injury, are capped."