Originally Posted by vermont ice
One example is that Kerry's running mate, Edwards, sued so many health care providers, that he is responsible for significantly raising the the yearly malpractice premium for all physicians. The rise was so high that many practitioners closed their doors for good, leaving many individuals without healthcare
Unsubstantiated claims like these have no business being made.
One example of such a silly claim is this: GWB's running mate utilizes his healthcare so frequently that he has raised my premiums, even though I'm a healthy young guy. Many individuals are without healthcare because they can't afford the **** premium increase.
If you are going to make such a ridiculous claim (that one tort lawyer is responsible for increases in insurance premiums), you better damn well be prepared to cite an appropriate source.
|Europe is much more laissez faire from what I understand. It is assumed that you accecpt a certain amount of risk and that s**t happens. They also don't give you money for doing something stupid....they send you a bill. Some of my friends were injured in Europe and fortunately had taken out insurance for the trip that covered the rescue and care
There are areas all over the US that require you to pay for your own rescue.
Your friends purchased insurance. That was smart. Some Europeans are probably bitching about the stupid Americans that hurt themselves and cause their accident insurance premiums to increase.
My friend that sued a ski area over a denied workers comp claim was 100 percent in the right. He was skiing "on the job" but wasn't being paid for his time. He was required to ski at all times in uniform, and to show up for 15 minutes for each lineup. He tore an ACL freeskiing, right after a lineup in which he wasn't given a lesson. He was expected at the next lineup, despite not being paid for any of this time.
The ski area has since changed its pay practices and policy regarding uniforms and lineups to avoid such liability. Now instructors aren't required to show up for every lineup, and ski in uniform at all times. The pay structure is slightly different as well.
You see, thats the whole point of the system. You do something wrong, you get burned. In order to not get burned again, you change what you do. If the burn isn't that bad, you might not change. You just pay a little more in liability insurance. Economics governs which route is more profitable.
If liability insurance was such a huge problem, the ski areas would change the way they do business in order to reduce the premiums. The fact that many resorts build, advertise, and flaunt their massive terrain parks should point out that risks can be taken when the reward is great.
Skiing isn't that much more expensive than it ever was, its not any more expensive than any comparable form of entertainment, and its also quite safe. I'd say the system we have is just fine.