Consider a higher deductible. Look carefully at your coverage and consider whether you can tweak anything in your policy. If you can afford to cover $2, 000 in damages if you get in an accident, consider changing your deductible from $500 to $2, 000 to save on your monthly premium. Shop around for a better rate with other insurance companies. The insurance market is highly competitive, and you may find a better rate with an online company or through a broker that works with multiple companies. If you find a better rate, go back to your current company to see if they'll match or beat the offer. Choose your next vehicle carefully. Because the type of car you drive affects your insurance rates, do your research before your next purchase. Look for a car with plenty of safety features (but without too many other bells and whistles) that will get you a lower rate. What happens when car insurance denies a claim? Of course, you don't just pay for car insurance for the fun of it. If you get into an accident, you expect the insurance to step in and help cover the expenses.
It's important to note that each OLTP database is constrained to a single application: the EHR has its OLTP database, the lab system has its own database, the HR system has its own database, and so on. It should be clear at this point that each healthcare organization—especially large physician groups, hospitals, and health systems—rely on a large number of databases. Here's a real-world example to illustrate that fact. I'm currently helping a medical group client integrate their disparate databases. They have the following applications (and therefore the following databases): Practice management system EHR Costing system Patient satisfaction Ambulatory surgery Radiology Pathology Financial system HR system A claims database (which isn't theirs to manage but which needs to be integrated) To be honest, they probably have even more databases than that—the ones I listed are just those included in our statement of work. If a medical group manages this many databases, you can imagine how many an integrated delivery system handles.
How would small claims even work?