When should you make an insurance claim? For many, the answer is a no-brainer: "Whenever I have an accident or suffer damage to my house or car."

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....The young boy, Joey Cosmillo, fell into the family pool in January. He was resuscitated but suffered brain damage and now cannot walk, talk or swallow. He lives in a nursing home and eats and breathes through tubes.

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There are many versions of the cliché that "a conservative is a liberal who has been mugged," and Robert Bork has just given rise to another. A tort plaintiff, it turns out, is a critic of tort lawsuits who has slipped and fallen at the Yale Club.

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