Connect with us

Personal Injury

There has long been a culture of claiming compensation in the United States of America, and that culture is showing zero signs of easing up. Actually, recent statistics show that the polar opposite is in fact taking place with more and more personal injury claims being made. Whether this is fantastic news, though, completely depends on where you are standing and in which direction you are looking. But we aren’t just talking about the point of view of victim versus insurance company, or even the person being sued, because there are so many other considerations to take into account, just visit Robins Cloud for more information.

Anyway, the very term ‘compensation culture’ implies that there is a huge number of claims for compensation which aren’t necessarily justified, and are in fact ambitious and fraudulent attempts at making money out of something completely accidental. In the past we have heard phrases like ‘crash for cash’, whereby people are deliberately crashing their cars into innocent driver’s in order to start a compensation claim and receive a hefty payout. This is wrong. But the other big problem with this sort of fraudulence is the effect it has on genuine claims. In short, it is becoming harder and harder to determine what claim is real and what is a bogus attempt at quickly pocketing enough money to put down a deposit on several houses.

What’s more, there are more and more areas of a genuine victim’s life that need to be addressed nowadays. When someone is involved in an accident, there are a vast amount of repercussions that need to be taken into consideration. For example, there are the direct injury costs, the cost of medical care, the loss of earnings (both present and future), psychological stress compensation, the possible increase in insurance premiums, and these are just those that can be measured easily.

On top of this, there are other forms of damage that need to be carefully addressed, things like emotional harm and mental disruption, areas of damage that can’t be measured physically. And as such, these areas are becoming more and more exploited because they are easier to fake. All someone has to do is state they need to see a councillor, and then visit once a week for so many weeks and there is nothing a court of law can do to prove they are bogus. But we will get to this a bit later on.

First, we want to go through some of the landmark cases that has encouraged this compensation culture to spread across the world, not just America.

USA – 1992

This case became world-famous after a woman sued McDonald’s after she bought a cup of coffee from one of their drive-through outlets. What had happened was, after she made the purchase, she tried to remove the lid in which she spilled the entire contents of the coffee onto her lap. She was subjected to extreme scolding and spend eight days in hospital undergoing skin graft operations on her thighs, backside and groin. This was followed by two-years of medical treatments. The grounds on which she won the case was that the coffee served at McDonald’s was far too hot and thus far more likely to cause severe harm that other restaurants. She won an astonishing $2.86 million in compensation.

Australia – 2007

A woman successfully filed a workers’ compensation claim after causing damage to her own face with a lamp during intercourse in a hotel room while away on business. Whilst her employers rejected the claim on the grounds that intercourse was not an ordinary incident of an overnight stay, the court granted her compensation on the grounds that no approval, express or implied response of the woman’s conduct was required and that the company had to deliver the benefits package as they had rented the room.

USA – 2011

A woman was awarded compensation after tripping over her dog while walking to her own garage. The reason this claim was successful was due to her being employed as a decorator by a big home decor company and given she was headed to her garage to collect some sample fabrics, it was deemed her home to be a work environment. Don’t believe us, just look here.

With legal decisions like this setting precedent in courts of law around the world, it is easy to understand why some people wouldn’t try and claim compensation for certain accidents. It also means, governments need to act quickly to establishing new laws that will prevent a queue of similar claims taking place, such as a legal obligation to state that the contents of a coffee cup may be hot.

What does the rise in claims mean for premium prices?

Whether or not it has anything to do with loopholes or wiggle room, there is absolutely no disputing the fact that the number of claims has increased year on year. Even if you take into consideration the growth in population, the number of claims is still rising rapidly. This has seen something else mimic the rise, and that is the consistency in which insurance companies are raising their premiums. It is a logical step. The more people that claim, the more likely they will have to payout, the more they will have to cover their risks. As such, insurance companies have raised premium costs as a way of ensuring they have enough money in reserve in the case of any personal injury claims that may be awarded.

This is where the divide in perspective has been encouraged. Some believe this is a completely logical and necessary precaution that needed to be taken by the insurance companies, while others blame the rise in our compensation culture on bogus and ambitious claims. However, in order to cast a bit of positive light on those feeling hard done by when it comes to their rising premiums, think of it this way; should you ever need to make a personal injury claim, you are much more likely to be offered a hefty out-of-court settlement. Whether you agree with this cor not, it is how the industry seems to operate at the moment.

Time to address the fake and ambitious claims we touched on earlier.

While there is no questioning the rise of legitimate claims, there has also been a sudden spike in fake claims too. These are essentially little more than audacious attempts to con the system out of paying them undeserved money, and the recent rise has seen government organisation and insurance companies work together in a bit to stop this trend gaining any more traction. It is worth noting, though, that whilst terms like ‘crash for cash’ have become common terms, the actual figures churned up through detailed research suggest that the rise in fake claims hasn’t been as substantial as hearsay, gossip and the media would have you believe. This means that most of the compensation paid out to victims is done so legally and in spirit of what they truly deserve.

So why the growth in compensation claims?

As with most things in life, we can only offer well-thought out but speculative theories. However, the most dominant of those theories, which accounts for the most substantial reason for growth is to do with introduction of new laws. We now live in a society that is dictated by rules and regulations, and the room to play is not like it was a couple of decades ago. Everything needs to come with a warning, whether that be a do not eat sticker or a not suitable for under 6 sign. In short, our lives are dictated by health and safety regulations. They have just become stricter and stricter with each passing year. The standards have been increased and tightened. But while this was intended to reduce injury, it has had an adverse effect when it comes to injury claims, and that is because employers now have a legal responsibility to protect their employees right across the board and in almost every aspects of their lives. As we all know, though, accidents happen. It does not matter how many precautions you take or how many stickers you cover the windows with or how much training you give out each month; accidents happen. By it’s very definition, an accident is something that happens unintentionally and unexpectedly, yet by enforcing more and more rules we have provided victims with better grounds to sue on.

It is easier to make a claim against an employer than ever before; it is as simple as that. But if that was enough substance to answer the question of why the rise, well, the majority of all personal injury claims are made up of work related accidents or injuries. Put two and two together and we have a rise in compensation claims and a rise in the costs associated with them.

Another spike that has been noted by industry researches has to do with our roads. They have become busier. There are more cars and more cars means a greater chance of accidents and the more accidents the more claims. The biggest of these are whiplash claims, and that is because whiplash is caused by unexpected jolt involving your neck and back. More payouts for whiplash, the more the premiums go up. It is simple math.

Use your ← → (arrow) keys to browse

Student @ Advanced Digital Sciences Center, Singapore. Travelled to 30+ countries, passion for basketball.

Continue Reading
Comments

Blog

Medical Retirement for U.S. Federal Workers: The World Of Yesterday

Published

on

Medical Retirement

The word “yesterday” has been always a complex one. It means our memories and it surrounds all what we remember, a anworld impossible to forget. Yesterday is the reason of our conversations and the reason why we see things the way we see them. It determines our thoughts, our reality and our decisions in the future. The past is our engine, our power to talk and to be right. So as hard as it may sound, it is now when we are in the need to accept that medical condition has made its introduction and realise its existence, its future impacts and its chronic appearance.

Medical Retirement is changing, Federal employees and U.S. Postal workers who suffer from a medical condition are experiencing the consequences. In The World Of Yesterday, anyone with it could be disguised, tolerated or even be ignored. Nowadays the medical condition are not letting the U.S. Postal workers or Federal employees perform the vital tasks of these jobs.

We need to keep in mind the fact of preparing and filing an effective OPM Disability Retirement application is a real need nowadays. The U.S. Office of Personnel Management archives this application for the employee in order to be under CSRS, CSRS Offset or FERS.

Moving Forward and Doing Things Right for the Future

There are tons of people in our same situation that never do anything and don’t look forward or fight for their own rights, especially Federal employees and U.S. Postal workers who have problems with their medical retirement nowadays. Because, there is a clear lack of empathy in the government, and it is causing all these issues. But it is a fact that people get older. As years pass by we will all need a doctor no matter how our medical condition be in that moment.

We are accustomed to focusing on past events instead of focusing on what’s yet to come. And sometimes past don’t let us move forward. But complaining about life’s unfairness is so insignificant, because it only makes us lose energy, happiness, and the sense of now. An easy way to move on is by closing stages by ourselves and looking for our calmness and peace. How to get that? The first step is to think about what is in our hands to close this period. Then we just have to go ahead and do what we gotta do. Sitting back and doing nothing at all won’t change anything, it won’t make you feel better.

Prev postNext post
Use your ← → (arrow) keys to browse

Continue Reading

Blog

ISO 9001, the QUALITY MANAGEMENT SYSTEM that will boost your company’s benefits

Published

on

Many organizations establish their Quality Management System (QMS) based on the requirements of ISO 9001: 2015. The benefits and advantages of implementing ISO 9001 extend to several areas of the business. Of course, visibility and expansion in the market are among the most mentioned. In this article, we look at why ISO 9001 can be a big boost to any business and best way to ensure continual improvement.

What is ISO 9001?

iso 9001

ISO 9001 is a system that is designed to make business owners and managers feel more in control of their businesses through a series of efficient systems and processes. It is a way to align the objectives of the company and the ideas of the employees in favour of the organization. By implementing the standard, the organization shows the employee that they should think about the future, that the market is changing and that suggestions are always required that lead to improvement.

ISO 9001 is systematic and process driven approach to managing your businesses’ day to day activities.  It is designed to support your business in ensuring that you meet the needs of your customers, whilst delivering a consistent level of quality and satisfaction. The areas that are covered within ISO 9001 include customer satisfaction, training records for staff, preferred supplier lists, contract reviews, quality objectives, management Review meetings, evidence of Monitoring and Measuring and non-conformance register.

Who is ISO 9001 for?

ISO 9001 is a certification that can be achieved by any business, of any size, in any sector.  Traditionally ISO 9001 has been seen as a quality management standard for the manufacturing sector.  However, ISO Quality Services Limited have helped implement ISO 9001 into many other sectors including:

  •     Business services sector, including accountants, solicitors and business consultancies;
  •     Waste and cleaning companies;
  •     IT and creative businesses;
  •     Charities and care homes;
  •     Construction companies;
  •     Automotive and transport companies; and
  •     The hospitality and retail sector.

If you run a business in any of these fields and improvement is high on your agenda for 2018, but you are not sure how to get started, there are consulting companies which offer trainings on the topic such as the Mexican firm SPC Consulting Group.

What are ISO 9001 benefits?

Thanks to the improvement in quality management, the ISO 9001 certification, brings a new image to the market. This shows that the organization cares about the way it is seen by its clients. The certification shows them that quality is what your business aims to, that the company wants to keep improving and that you are open to new opportunities and partnerships.

Of course, the main players in the markets are more receptive to the business that have the certification –in certain industries, it may even prevent those who do not have it from even participating, indeed.

Long and short term benefits

In the short term, obtaining ISO 9001 certification provides improvements in internal business processes by reducing rework and waste and increasing the quality of products. The savings generated can be invested in the development of new products, staff training, structural reforms of the facilities, etc.

In the long term, it is common to check the increase in income of the organization, as customers become loyal and satisfied, which leads to the arrival of new business partners. This is one of the main benefits and advantages of implementing ISO 9001. The organization stops focusing its attention on the product and orientates it towards the client. Therefore, the first step is to know in depth what motivates them, what are their values, their expectations, their lifestyle, their behaviour, their opinions, and so on. With this information, we can understand our customer as a whole and seek their satisfaction, and how to create value for them.

General benefits

In addition to all of that, there are a number of benefits that the ISO 9001 QMS standard has on offer to an organisation.  First of all, ISO 9001 means and improvement in an organisations business performance with better cost management, which results in a rise in productivity a revenue –as a result of Integration and alignment of an organisations internal processes. A reduction in costs and shorter cycle times through an effective use of available resources will enhance customer satisfaction and loyalty, meaning an increased possibility of repeat business, and it will also provide a confidence to possible interested parties/customers as to the effectiveness, consistency and efficiency of the organisation. And all of this will lead to an improvement in an organisations planning, communications & administration processes; an increase in an organisations credibility & competitiveness within its market; and finally, an Increase in revenue & market share on the back of fast responses to market opportunities.

Use your ← → (arrow) keys to browse

Continue Reading

Blog

Our Click2Sell Online Advertising Platform Review – Get The Details Now!

Published

on

click2sell ads

If you’ve been looking for a Click2Sell online advertising platform review that’s informative, deep, and objective, you’re in the right place. In this review, we’ll be taking a look at Click2Sell’s platform and marketplace. We’ll discuss how you get started with buying and selling ads, how you can profit by using this platform, and all of the other basics you need to know. Let’s get into it now!

What Is The Click2Sell Platform – And How Does It Work?

Click2Sell.co is an online self-service marketing platform, designed to allow everyday individuals to participate in the online advertising revolution, using an MMO (Making Money Online) model.

Essentially, the platform allows you to create your own banner ads and online advertising campaigns. By taking advantage of the advanced ad creation tools of Click2Sell, you can create your own ads, and get paid based on their performance.

Members are rewarded in two ways: PPC (Pay-Per-Click) and PPA (Pay-Per-Acquisition).

PPC is based on the total number of clicks generated by your campaign. All members receive 85% of the revenue generated from their advertising campaigns. The more compelling and powerful your ads are, the more clicks you’ll generate – the more you earn.

PPA is based on the sales generated by the campaign. Every time someone clicks on your ad, he’ll be redirected to the promoted brand’s site (for example Nike, Zara, and etc., based on the given banner ad), where he’ll be able to browse the products. For each sale, you will also get 85% of the revenue generated by your ads. Again, the better your ads, the more you can potentially earn.

How Do I Get Started? Understanding The Process

Click2Sell.co is targeted specifically to newcomers to online marketing. Creating your first campaign is simple – Here’s how the process goes:

  1. Create your account – You can choose between Silver ($250-$1499), Gold, ($1,500-$4,499) and Diamond ($4,500-$15,000) packages when creating an account.

    Based on the tier you choose, you can get more impressions for your ads, as well as added benefits like a dedicated account manager (Gold) and 1-on-1 coaching calls (Diamond).

  2. Login and create your campaign – After login, and click “Create Campaign” on the sidebar. Name your campaign, and select the campaign duration, from 2 weeks to 5 months.
  3. Choose a category – Next, choose a category, like Business, Architecture, Fashion, Gaming, or Sports (and others), and select your campaign budget. Then, you can select an image for your banner ad.
  4. Targeting and placement – Next, choose where to place your ad – on a sidebar, banner, or on a mobile device. You can also choose its size.
  5. Choose a headline – Choose from a variety of pre-written headlines for your ad, and launch your campaign!

It’s just that simple. You can also go to the Marketplace to create a campaign without customizing, making it easier to launch a campaign if you’re short on time.

The Bottom Line – Can I Profit From Using Click2Sell?

It’s easy to use the Click2Sell platform and marketplace, and it’s entirely possible to make money using this advertising platform. If you invest time and money, and are persistent and develop your advertising skills properly, you can certainly gradually build an income by using this online marketing business.

The platform is specifically targeted towards novices, and it’s user-friendly, inexpensive to get started, and intuitive. If you’ve had troubles finding a way to make extra income online, this just might be a good place for you to start, and begin building your own online marketing business.

Use your ← → (arrow) keys to browse

Continue Reading

Trending