Insurance companies are for profit entities. They are not charities to help the down trodden. There are specific contractual obligations in which an ins company will pay funds. Ask the Katrina folks. I know this guy is injured and it is a sad story, but that doesn\’t mean insurance should cover this.
Hey folks: isn\’t New York the state that can boast they have two of the finest jurists, Hillary and Chuck, representing them??!! The great state of New York: the ship of fools.
As you all are well aware claims like these cause insurance companies to reconsider their writing insurance in states and/or price the premium according to the exposure. With a law like 240 and 241, as NY agent/broker explained it makes me think you couldn\’t charge enough in NY for general liability or work comp. Maybe good old Hillary can make gl universal along with the health care and take care of both issue…right. Whatever happened to the personal responsibility of buying our own disability insurance and life insurance and planning accordingly should catastrophe strike? Looking at this matter from MN – former home to Gov. Jesse Ventura – I thought we were the crazy ones.
Look folks, these personal injury cases may make no sense to you, but their big business to those of us in the ambulance chasing…errr, Tort Law business. Sure disproportionate, compeletely out-of-wack verdicts like this one hurt everyone. True, there\’s no real \”liability\” here except for a little lack of common sense. But the really important thing here is the \”E\” word because it works like a charm for those of us in the Tort industry. E= emotion. Give me a poor crippled *******, even if he intentionally jumped off that roof onto a 10\’ pile of broken beer bottles and I\’ll have that jury sobbing over the nasty SOB\’s that made the beer…Ahhhhhhh America. The country built itself on personal gumption and responsibility where today you can knowingly buy a cup of red-hot coffee, dump into your own lap and become a millionaire….makes sense, don\’t it? It does to me.
Here is a factual case from our files, not just specualtion. Our insured was a GC who hired a sub-contractor (it just happened to have been his son\’s masonry contracting firm). The CG was hired to build a strip mall. The sub-contractor masonry firm had 2 summer employees, college students, who were intending to return to school at the end of the summer.
They were working with a scaffold, that they had to move. Instead of taking it apart, as they had been told to do, they thought that if they removed SOME parts, it would then be light enough for them to be able to drag it, rather than do it the long way. In the process, the scaffold collapsed on them while they were on short step ladders.
Both employees suffered mild injuries. In fact, one employee (the one who was \”hurt\” the worse of the two)who was hurt in early August, returned to college at the end of August and was seen playing intramural sports.
Both employeess sued the property owner, who in turn gave it to the CG because the contract had a hold harmless in favor of the property owner.
The CG\’s carrier paid because they said that there was no defense AT ALL, due to 240,241. The CG\’s company (no out of business, btw) paid large sums, practially paying off the college expenses for both student/employees.
The case in this article was somewhat similar in that the municipality had no defense. I wonder if Mcheck were a resident of the community in question and as a result of this would have to pay incerased real estate taxes to cover this, would he still be so generous.
Some of you are right, you shouldnt become rich from a accident, but if you think about a few million dollar settelment doesnt go very far, if you look at lost wages and medical bills,etc. a few million doesnt go far, I broke my back severly from a fall, from a ladder, and am about to have MAJOR surgery, now I dont know what my future hols for me, but I know that the job I loved, is now over with, now all the schooling and training I have spent the last 15 yrs of my life trainning for is all worthless, not to mention all the things I loved to do I’ll probably never no again, live golf, camping, hunting, it’s all gone, plus my kids, how do I look them in the eye and say dady cant play with you cause I am now crippled, so who is to blame, not me, and heck yes someone should pay !! we are the forefront of your buissness, we build them, and fix them , all these fancy offices you sit in,it was made by some poor (I wanna get Rich Quick) person, so think about us and our families!! we didnt ask to get hurt, but we did
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Insurance companies are for profit entities. They are not charities to help the down trodden. There are specific contractual obligations in which an ins company will pay funds. Ask the Katrina folks. I know this guy is injured and it is a sad story, but that doesn\’t mean insurance should cover this.
Hey folks: isn\’t New York the state that can boast they have two of the finest jurists, Hillary and Chuck, representing them??!! The great state of New York: the ship of fools.
As you all are well aware claims like these cause insurance companies to reconsider their writing insurance in states and/or price the premium according to the exposure. With a law like 240 and 241, as NY agent/broker explained it makes me think you couldn\’t charge enough in NY for general liability or work comp. Maybe good old Hillary can make gl universal along with the health care and take care of both issue…right. Whatever happened to the personal responsibility of buying our own disability insurance and life insurance and planning accordingly should catastrophe strike? Looking at this matter from MN – former home to Gov. Jesse Ventura – I thought we were the crazy ones.
Look folks, these personal injury cases may make no sense to you, but their big business to those of us in the ambulance chasing…errr, Tort Law business. Sure disproportionate, compeletely out-of-wack verdicts like this one hurt everyone. True, there\’s no real \”liability\” here except for a little lack of common sense. But the really important thing here is the \”E\” word because it works like a charm for those of us in the Tort industry. E= emotion. Give me a poor crippled *******, even if he intentionally jumped off that roof onto a 10\’ pile of broken beer bottles and I\’ll have that jury sobbing over the nasty SOB\’s that made the beer…Ahhhhhhh America. The country built itself on personal gumption and responsibility where today you can knowingly buy a cup of red-hot coffee, dump into your own lap and become a millionaire….makes sense, don\’t it? It does to me.
Here is a factual case from our files, not just specualtion. Our insured was a GC who hired a sub-contractor (it just happened to have been his son\’s masonry contracting firm). The CG was hired to build a strip mall. The sub-contractor masonry firm had 2 summer employees, college students, who were intending to return to school at the end of the summer.
They were working with a scaffold, that they had to move. Instead of taking it apart, as they had been told to do, they thought that if they removed SOME parts, it would then be light enough for them to be able to drag it, rather than do it the long way. In the process, the scaffold collapsed on them while they were on short step ladders.
Both employees suffered mild injuries. In fact, one employee (the one who was \”hurt\” the worse of the two)who was hurt in early August, returned to college at the end of August and was seen playing intramural sports.
Both employeess sued the property owner, who in turn gave it to the CG because the contract had a hold harmless in favor of the property owner.
The CG\’s carrier paid because they said that there was no defense AT ALL, due to 240,241. The CG\’s company (no out of business, btw) paid large sums, practially paying off the college expenses for both student/employees.
The case in this article was somewhat similar in that the municipality had no defense. I wonder if Mcheck were a resident of the community in question and as a result of this would have to pay incerased real estate taxes to cover this, would he still be so generous.
Some of you are right, you shouldnt become rich from a accident, but if you think about a few million dollar settelment doesnt go very far, if you look at lost wages and medical bills,etc. a few million doesnt go far, I broke my back severly from a fall, from a ladder, and am about to have MAJOR surgery, now I dont know what my future hols for me, but I know that the job I loved, is now over with, now all the schooling and training I have spent the last 15 yrs of my life trainning for is all worthless, not to mention all the things I loved to do I’ll probably never no again, live golf, camping, hunting, it’s all gone, plus my kids, how do I look them in the eye and say dady cant play with you cause I am now crippled, so who is to blame, not me, and heck yes someone should pay !! we are the forefront of your buissness, we build them, and fix them , all these fancy offices you sit in,it was made by some poor (I wanna get Rich Quick) person, so think about us and our families!! we didnt ask to get hurt, but we did
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