 Tort reform in part aims to place caps on punitive and non-economic damages to prevent frivolous cases from taking advantage of the system, thereby benefiting those who pay for insurance, as it is argued that excessive litigation encourages insurers to pass the impact of legal expenses on to the insured by raising average premiums.However, there are a notable instances where these caps have disadvantaged plaintiffs by preventing them from acquiring compensation adequate to what their case deserves.Each case is different and some cases may be worthy of compensation well above the state cap.