To add insult to injury (and damaged reputation,) Dr. Smith receives a non-renewal (cancelation) letter from the RRG due to the $250,000 payout. In a panic, Dr. Smith finally calls Presidio for help.

The loss of discounts equates to $37,500 in additional premium costs for the new practice, and comes at a time when that new practice can least afforded it!

Only when the suit is filed does Dr. Smith realize there was no protection against litigation once they parted ways.