An accident caused by Tri Met put you in the hospital? Your medical bills over $300,000? Too bad. You can only recover the maximum $200,000. The rest you have to pay for, whether or not you have medical insurance. The law has been in place for decades and was long overdue for a change. Part of the problem was that no yearly cost of living adjustment (COLA) was put into the law when first enacted.
Lawyer blog here