Going into surgery is frightening even for the most stoic person. There's a risk of many things going wrong, even in a controlled environment with professionals who have years of experience.
If you are a tenant and live in a landlord's property, you expect it to be safe for you. When you move in, you write down everything you notice is wrong. However, there may be hazards you don't know about right away or things that have to be repaired over time as you live there.
When you're in an accident, your body takes a beating. Even if you can walk away from the accident initially, there is a likelihood that you could end up with serious injuries that develop over the next few hours or days.
You had always heard about the potential for medical malpractice to impact you, but you never thought it would. You went to the same doctor for years, and even scheduled your surgery with him because you were comfortable with your care.