When in doubt, blame the lawyers...always a great strategy.
You are, of course, forgetting that the biggest driver in medical malpractice premium increases is the power of modern medicine to keep victims of malpractice alive.
The biggest med mal verdicts aren't for the estates of people who die. They're for people who must now live for 50 or more years with gross disfigurement, nonworking organs, and the like. Past damages and loss of consortium are drops in the bucket compared to future medical costs and future damages.
When doctors screwed up in the past, people died. Now they don't always die.
When people ask for caps on medical malpractice cases, they're asking to screw over those people who now require round the clock nursing care because some surgical resident botched a procedure in order to save themselves $1 on their health insurance premiums.