re: Car Insurance - "What is your claim worth"?

quote:

---

I am about to quit taking the bait and get back to work

---

Bait? How about staying on topic - car insurance.

Since you obviously didn't have a valid rebuttal to my original response, you resorted to name calling. And now you go off on a long winded construction case which has no bearing on car insurance claims.

You see, this is not a governors debate on TV, with a 60 second time limit, which leads to an overwhelming advantage to a smooth talking trial lawyer.

The issue is not about the fraction of cases that have caused serious harm to the victims, and should be appropriately compensated. If that's the only ones you deal with, then good for you.

It's about the disproportionate amount of cases that should never have made it thru the judicial system, let alone, awarded these settlements.

quote:

---

You may understand the law, but you don't understand business. Insurance rates would go down because of competition. They lowered their rates last year because they were losing customers. If the bill would have passed more carriers would enter this awful market, bringing premiums down lower.

The patented scare tactic of "I'd hate for it to be you on the injured side needing care for the rest of your life and only get $200k" is the easiest way to identify the plaintiff attorney in the group, which there seem to be plenty of in here. That situation is so rare that it doesn't need to be discussed; yet you hear it in every single one of these arguments. There are ways to address that specific type of claim without leaving the door open to the frivolous lawsuits that plague our state. In your defense, I think both sides (insurance companies and attorneys) are in on the racket in LA. Insurance companies like stability (they're just balancing payouts and premiums with hopefully a little more on the premium side), and lawyers love the payouts.

The bill that was proposed would definitely lower premiums in the state, but no one can (or should) guarantee that under oath. You cannot guarantee the sun will come up tomorrow under oath. Every single item in the bill would address what makes our state different, and worse, when it comes to insurance.

---

/thread

quote:

---

But I sleep very well at night knowing that as a general rule, I am trying to help people.

---

Every single attorney I know, especially plantiff attorneys and criminal defense attorneys, say the exact same thing. Just trying to help the little guy!!

I have no reason to doubt that you feel that way.

But clearly you have to see there is a huge difference between going after a company in a wrongful death situation, and an accident with $500 of physical damage yet we need to sue for policy limits for bodily injury that was only diagnosed by a chiropractor who was paid (at least initially) by the attorney.

I don't understand why the "good" attorneys don't stand up against the ambulance chasers.

quote:

---

But I sleep very well at night knowing that as a general rule, I am trying to help people.

---

OMG