Posted: Wed Jan 09, 2008 9:12 pm Post subject: Sueing insurance company
I would like to get several of you alls opinion on why you think so many people today are sueing insurance companys. Whether it be health or car insurance. There seems to be a lot of now a days. I know a few personally who have done this. My husband was in a position to do this yrs ago. But we did not take this route. It would have to be awfully bad to do that in my opinion. I know it cost us all in the long run. Maybe we should have sueing insurance, huh?
Suing Insurance, that's pretty much what insurance is, to cover you if you get sued for whatever. Like, you t-bone someones car, they'll sue you, if you get hurt on the job, you would sue for the medical costs. Insurance just keeps the courts a bit clearer.
As for suing a company, probably on a breach of contract or outright trickery, like deliberately hiding a "This doesn't cover squat" clause in the really fine print or writing such a thing in an obscure way. _________________ I have a new personal crusade. I'm going to hunt down the people who have strong opinions on subjects they don't understand. Then I'll bop them with this cardboard tube.- Dogbert
I ain't a legal expert, take what I say with a grain of salt.
Actually sueing a carrier is rare... _________________ **************************************
Life gaurantees a chance NOT a fair shake
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FIND a way EVERY day to lighten the load of another
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I always think it strange that an insurance company will say they can't pay for this or that. But when you get a lawyer involved all of a sudden they can pay.Why is that? Would not it have been cheaper to have paid them to begin with. My son was injured in an automoble accident at the age of 17. He was riding with his brother in-law.There was a big truck with a big bed on it sitting on the edge of the road in the dark.They did not see it and ran up under it. If my son had not ducked it would have taken his head off. His dad had to sue the insurance company of his son in-law to get medical apyments and other monies. My son was lifted by helicopter. His hand is messed up to this day. he did get a settlement and was recieveing payments for years of 500 a month . Then after I think 10 years he got a few thousand ina lump sum. He hand though will never be normal again.It is disfigured,its his right hand too and he is right handed.
In most cases, the main reason for insurance lawsuits is because "some" have tried to pull one over on the insurance company.
By the way, there is "sueing insurance" (did I spell that right?)
It's called Professional Liability Insurance or E & O.
For instance, I personally know a man who is totally disabled, according to the Social Security Administration. Guess what he does in the spring and summer? He bales hay for hire.
I realize most people want to be honest, but there are some who will "say" or "do" practically anything to make a buck.
Yes, we all do pay for it in our insurance premiums.
Let's make "you" the insurance company right now. You are going to personally provide a $5 Million health insurance plan for someone.
What kind of information would you require and how would you investigate this person to make the decision to put up the money?
People sue insurance companies because they have the money. Many insurance companies just pay the lawsuit amount, because the cost of defending it would be more. That doesn't mean it was a legitimate claim. _________________
Many insurance companies just pay the lawsuit amount, because the cost of defending it would be more. That doesn't mean it was a legitimate claim.
Right on brother!
I'm not saying there aren't times when an insurance company has it comin'! Because there are times...(thread active now, i think it's this one
http://www.ampminsure.org/community/viewtopic.php?p=15336#15336
for bad faith...but more times than not it's as ins.maze said... _________________ **************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
**************************************
Yes, I see your point. But what makes me so angry is the premium we pay just to abide by the law to HAVE it. It makes no sense. Pay this amount to comply with the law ,then if you need to use it, we will need to raise your rates. I have never made a claim .I guess thats why mine is so low. I pay 186 every 3 months for full coverage. We got a few qoutes to see if there was anything out there cheaper .One say they could not beat what I already had.
