The more light we can shed on Florida's Free Kill law, the better. The reason Florida Statute 768.21(8) is in place, is for medical malpractice companies to save money. The flip side of that is that it costs lives. Fundamentally, the reason for all types of insurance is two fold for the customer. Firstly, it protects the insured if something should go wrong. If something does go wrong, the cost of insurance is likely to go up. Secondly, insurance provides accountability.