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.
Finding the best junkyard near me in the US
Junkyards are ideal for those who are looking for a cheap and very interesting place to find those spare parts they need. It is true that these do not give you the same comfort or treatment that you could have going to an authorized dealer, but instead, you have the possibility of finding very interesting pieces without those exorbitant prices that many authorized agents accustom.
As is commonly said; the trash of some is the treasure of others and you never know what kind of treasures will find in a junkyard.
The best junkyards near me in the US
In the United States, there are several scrap yards, some of the best and the most known are the Old Car city, the John’s Auto Parts, the Pascagoula Auto Salvage or the All American Auto Wreckers Inc. All of them are great places and their not the only one; there are many other places spread for all the country. It is for that reason that it could be a trouble finding the best option near your neighbourhood, but don’t worry, here we share with you a great solution for this trouble.
As we’ll tell you, in the past, the best way to find a junkyard was looking forward to all the options, but, this could be a very tiring task. However, today we have very interesting and automated options that help you respond quickly and effectively that question that all true lovers of cars and mechanics have done at some point; where can I find a junkyard near me.
We are talking, of course, of some web portals that are excellent for showing you all the junkyards options in the country, and which one is the best option to make a purchase as economical and safe as possible.
Why you should always go to a junkyard
In a junkyard, you will not only find car parts, but motorcycles and any other equipment that has already passed to better life, but from which, perhaps, you can still take advantage of any of its parts. Junkyards are ideal for those who seek to entertain themselves for a while and find a possible bargain, and at the same time contribute to the recycling, as this would be taking advantage of parts used, but in good condition or recoverable, instead of acquiring new products and stimulate the use of new raw materials to produce more car parts.
So, if you think it in this way, finding the best junkyard near you is not only a good option to save you lot of money, but also to protect the environment.
Don’t need to think it at twice
We are in the XXI and also the junkyards sellers have to take advantage of the internet to get know for more interested people. Now that you know that, surely still wants to know where to find the best junkyard of the United States. Well, in that case, you only have to follow the link and start to know the best of the best in used car parts.
Bad Life Decisions & How To Avoid Making Them
Unfortunately, the human race is an imperfect species, so making mistakes and bad decisions is a part of everyday life. However, there is a big difference between forgetting to turn your oven off at night and stealing a car. Some decisions have the potential to affect you for the rest of your life, so if you’re one who rarely thinks before they act, you may want to work on that. Below are some of the biggest mistakes that you can make in your lifetime, why you make them, how to avoid making them, and how to stop them from ruining your life.
Marrying The Wrong Person
There is a range of different reasons why you may marry the wrong person. Perhaps you were too young, perhaps you didn’t get to know the person well enough before you married, or maybe you married your spouse for the wrong reasons. Before getting married, you need to really think about the impact of your decision, and if you’re sure that the person you are marrying is for you. If you’re certain that they are, you may want to think about writing a prenup. This will ensure that if you realise your spouse isn’t the person you thought they were, your divorce is relatively straight forward, and you won’t have to battle for every financial asset and risk losing a lot of money.
Choosing The Wrong Career
If you’ve been saying that you want to be something, such as a doctor, for as long as you remember, then you tend to convince yourself that it’s actually what you want for yourself. You put in the hours of studying and work experience only to end up unsatisfied with your life. To avoid this, you need to stop and think about what is really best for you. If you decide that it’s not being a doctor, then that’s okay. There is never a time at which it becomes “too late” for you to change your career, in fact, most people do it at least once in their lifetime. If you suddenly realise that you hate your job, don’t settle and let it ruin your life, go and study to be something else instead.
Turning To Crime
Crime is very complicated to explain, and everyone has their own reason for committing a crime. For now, let’s talk about stealing because you have little money. People often turn to crime in times of desperation, such as when you haven’t got any money. Rather than stealing, look to see if there are any other options available to you. Borrowing from friends and family or selling unnecessary belongings are just a couple of ways. There are also charities and foundations out there that can help you out. If you do get caught stealing, an attorney that specialises in theft cases, such as Jason Volet, may be able to keep you out of prison, or at least get you a reduced sentence.
Most of life’s worst mistakes are made because we haven’t properly thought them through, so before making any major decisions make sure you stop and really think about what you’re doing.
Dealing With The More Sensitive Side To Health Issues
It’s an unfortunate fact of life, but we can all find ourselves under the weather from time to time. Sometimes these illnesses can’t be helped, and there nothing too serious at all. But sometimes, you can also find yourself dealing with some more serious illness, some that even come with sensitivities. And then, you can find yourself faced with an entirely different kettle of fish. So what are you supposed to do? If you’ve never dealt with a lot of illness in life, then you may need a bit of advice. Read on for information on how to deal with sensitive illness issues.
Being sick is one thing, being able to avoid it is another. It’s tough to be able to fall ill and know that you may not have had to suffer in the first place. This can often be the case when your job causes your health issues. But, it’s important that you speak up. Even if you may not feel like you can, it’s important that you raise the issue with your employer. Speaking up can often seem scary, especially if you feel like you don’t want to make a fuss. But, you need to make it known that you’ve been made ill, take action, and find a solution if you can.
Then, you may want to think about protecting your health too. When you’re self-employed, own your own business, or aren’t covered for sickness at work, you may suffer should you fall ill and not be able to work. This is where critical illness cover comes in. It’s easy to think that this is something that the financial services industry wants to sell you. But, should you be ill for a long time and be unable to work, the payments would be a blessed release.
Treatment is something that we all need for healthcare issues. But sometimes, your treatment options aren’t as traditional as others. And that can make you a little self-conscious about seeking help. This is particularly the case when you’re suffering from a mental illness. The stigma around mental health can make talking to someone feel shameful. But that’s not the case. You should do some research into different doctors to find a professional that you’ll be comfortable speaking to. Because seeking help and getting treatment is the most important thing.
At the same time, you may also want to get support with health and illness related issues when you’re struggling to cope alone. Many professionals can help here. From a wrongful death lawyer to a home healthcare nurse, depending on your circumstances. Sometimes, the issue might be sensitive, but if getting support makes things better, do it.
Dealing With Grief
And finally, if you find yourself at the end of a healthcare journey, particularly with a loved one, you may be suffering deeply with grief. It can be an awful experience to have to go through. But the important thing is that you do something about coping with grief so that you can continue on with the rest of your life in the best way possible.
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