Coffee neeeds to be heated from 180F to 190F to break out the oils which give the taste. However as a medic we learn that burns can occur as low as 110F. To meet what the court wanted any coffee vendor should drop the temp to below 110F before sale but who would want it at that temp I do not know. The court was a typical nanny where we never have any responsibilty for any of our own actions. Shall we try for 98.6 as an agreed standard?
If you had the opportunity to see the medical report and photos that included skin grafting in “personal areas” for the 3rd degree burns, you would understand why the award was so high. We aren’t talking about a simple scald. McDonalds was given an opportunity to just pay medical expenses and turned it down.
I don’t really think the area burned is relevant is should be deemed “more valuable” than any other area. Furthermore, I don’t think McDonalds should be responsible for her medical bills either. She spilled the coffee on herself after she had made the purchase and was driving away. I’m guilty of putting a bottle of water or pop in between my legs yes, but common sense should step in with HOT coffee.
Lesson #1: Documentation is key, when a customer does not want W/C, or does not pay his W/C premium send him a letter and keep it on file. Did this agency never hear of customer files, call logs or documenting calls in Outlook or some agency software.
Lesson #2: Part of running a successful agency is reducing exposure, minimizing difficult or bad customers that force you to take short cuts on their behalf at a big exposure for your agency. Documenting to death or firing those customers is half of running a successful agency and just as important as pure production, at least in Cali.
This is the same agency ( HRH )that had to pay $30 million for it’s price rigging schemes and they weren’t smart enough to figure a way out of this mess? These are examples of what happen when the greed factor takes over and ethics are thrown out the window. Producers for this company need to be sent back to Insurance 101 and carry an Insurance for dummies book with them.
TO ALL:
How long have you people been in Insurance??? We do insure Stupidity and have for decades where have you been??? Why else would we buy E & O coverage, we make mistakes, face it we are human….
I have read several of the comments and I believe for the most part, some of you are missing the point. The main focus on this is the fact that the agency did not document their files thoroughly. Does not matter if the client refused the coverage, or that the agency still has the
client as a customer. In todays society, it is a MUST that you document your files thoroughly and send letters of coverage rejection out to each client.
I haven’t been on due to anxiety, depression and just closing my eyes to this mess.
So, I guess I didn’t speak properly? Sorry. I am talking about PEO’s. PERIOD. Not agents. PEO’s. YOu do know who they are right? Well, every week they provide payroll services, pay your state taxes, federal taxes, provide and pay WC INSURANCE!! This is a trash business i’m talking about. Our life has been ruined, along with our children. All due to a PEO who pocketed every dime the employer allowed the PEO to directly DEDUCT from business account. The PEO put First Union American into insolvency because they were behind 2K in premiums. Sadly WC lapsed on 12/31/03 and my husband’s injury happened on 1/19/04. They are now INDICTED and I cannot wait to testify for the FBI once they wrap up!! it’s called RICO. They committed a crime and I pray they pay, emotionally, physicially and FINANCIALLY. Just like we are still doing. I work in thelegal field and yes, insurance comapnies own the USA and that is my personal opinion. Yes, I am a defense legal secretary who works for a defense firm WHO represents INSURANCE COMPANIES. So I am not biased but what is fair is fair. In the above matter, WE ALL KNOW THAT THEY CLIENT DID NOT REFUSE WC. It’s the law and all business owners know that. The agent screwed up and fortunately is paying the price. I hope we win also. I’m very very tired…….
P. S. I am Roman Catholic, first generation American, daughter of two immigrants from Ireland. Yes the priests should pay, dam right. I spent 12 years in Catholic school and am hitting 50 years old. And yes, I wonder how many boys I went to school with were molested. Remember, The Catholic Church is exonerated from all. They have their own rules, own probably as much real estate as insurance companies and I hope all those priests burni n hell! Yes, I blame the doctors, and yes they should be sued (i.e. when hubby reailzed something was wrong with his leg immidiately after surgery and his surgeon immediately started testing him for the hardware implanted in his back was placed properly, and YES, I saw it in his eyes – he thought we were going to sue him. No way, he’s an excellent surgeon and unfortunately, my husband has PERMANENT NERVE ROOT DAMAGE FROM HIS INJURY AND THERE WAS NO WC IN PLACE AT TIME OF INJURY – LAPSED 5 DAYS EARLIER – LUCKY US!! and yes the construction companies should also be sued if they are at fault which we know they ALL ARE. So, like I said. I work in the legal field for a DEFENSE FIRM. I hate plaintiff’s law, will not work for plaintiff’s lawyers with their frivolous suits, blah, blah. Employer did receive the policy. Been in business for 50 years and knows what to do and what is required and unfortunately, hired a PEO. Generalization, sorry. I was certainly angry when I wrote that reply and still am. But I will just continue to stay off websites searching for answers. I’ll just keep in touch with the FBI who always keeps in touch with me!!!
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Coffee neeeds to be heated from 180F to 190F to break out the oils which give the taste. However as a medic we learn that burns can occur as low as 110F. To meet what the court wanted any coffee vendor should drop the temp to below 110F before sale but who would want it at that temp I do not know. The court was a typical nanny where we never have any responsibilty for any of our own actions. Shall we try for 98.6 as an agreed standard?
If you had the opportunity to see the medical report and photos that included skin grafting in “personal areas” for the 3rd degree burns, you would understand why the award was so high. We aren’t talking about a simple scald. McDonalds was given an opportunity to just pay medical expenses and turned it down.
I don’t really think the area burned is relevant is should be deemed “more valuable” than any other area. Furthermore, I don’t think McDonalds should be responsible for her medical bills either. She spilled the coffee on herself after she had made the purchase and was driving away. I’m guilty of putting a bottle of water or pop in between my legs yes, but common sense should step in with HOT coffee.
Lesson #1: Documentation is key, when a customer does not want W/C, or does not pay his W/C premium send him a letter and keep it on file. Did this agency never hear of customer files, call logs or documenting calls in Outlook or some agency software.
Lesson #2: Part of running a successful agency is reducing exposure, minimizing difficult or bad customers that force you to take short cuts on their behalf at a big exposure for your agency. Documenting to death or firing those customers is half of running a successful agency and just as important as pure production, at least in Cali.
This is the same agency ( HRH )that had to pay $30 million for it’s price rigging schemes and they weren’t smart enough to figure a way out of this mess? These are examples of what happen when the greed factor takes over and ethics are thrown out the window. Producers for this company need to be sent back to Insurance 101 and carry an Insurance for dummies book with them.
TO ALL:
How long have you people been in Insurance??? We do insure Stupidity and have for decades where have you been??? Why else would we buy E & O coverage, we make mistakes, face it we are human….
I have read several of the comments and I believe for the most part, some of you are missing the point. The main focus on this is the fact that the agency did not document their files thoroughly. Does not matter if the client refused the coverage, or that the agency still has the
client as a customer. In todays society, it is a MUST that you document your files thoroughly and send letters of coverage rejection out to each client.
I haven’t been on due to anxiety, depression and just closing my eyes to this mess.
So, I guess I didn’t speak properly? Sorry. I am talking about PEO’s. PERIOD. Not agents. PEO’s. YOu do know who they are right? Well, every week they provide payroll services, pay your state taxes, federal taxes, provide and pay WC INSURANCE!! This is a trash business i’m talking about. Our life has been ruined, along with our children. All due to a PEO who pocketed every dime the employer allowed the PEO to directly DEDUCT from business account. The PEO put First Union American into insolvency because they were behind 2K in premiums. Sadly WC lapsed on 12/31/03 and my husband’s injury happened on 1/19/04. They are now INDICTED and I cannot wait to testify for the FBI once they wrap up!! it’s called RICO. They committed a crime and I pray they pay, emotionally, physicially and FINANCIALLY. Just like we are still doing. I work in thelegal field and yes, insurance comapnies own the USA and that is my personal opinion. Yes, I am a defense legal secretary who works for a defense firm WHO represents INSURANCE COMPANIES. So I am not biased but what is fair is fair. In the above matter, WE ALL KNOW THAT THEY CLIENT DID NOT REFUSE WC. It’s the law and all business owners know that. The agent screwed up and fortunately is paying the price. I hope we win also. I’m very very tired…….
P. S. I am Roman Catholic, first generation American, daughter of two immigrants from Ireland. Yes the priests should pay, dam right. I spent 12 years in Catholic school and am hitting 50 years old. And yes, I wonder how many boys I went to school with were molested. Remember, The Catholic Church is exonerated from all. They have their own rules, own probably as much real estate as insurance companies and I hope all those priests burni n hell! Yes, I blame the doctors, and yes they should be sued (i.e. when hubby reailzed something was wrong with his leg immidiately after surgery and his surgeon immediately started testing him for the hardware implanted in his back was placed properly, and YES, I saw it in his eyes – he thought we were going to sue him. No way, he’s an excellent surgeon and unfortunately, my husband has PERMANENT NERVE ROOT DAMAGE FROM HIS INJURY AND THERE WAS NO WC IN PLACE AT TIME OF INJURY – LAPSED 5 DAYS EARLIER – LUCKY US!! and yes the construction companies should also be sued if they are at fault which we know they ALL ARE. So, like I said. I work in the legal field for a DEFENSE FIRM. I hate plaintiff’s law, will not work for plaintiff’s lawyers with their frivolous suits, blah, blah. Employer did receive the policy. Been in business for 50 years and knows what to do and what is required and unfortunately, hired a PEO. Generalization, sorry. I was certainly angry when I wrote that reply and still am. But I will just continue to stay off websites searching for answers. I’ll just keep in touch with the FBI who always keeps in touch with me!!!
Thank you.