Not sure what to do, does anyone know?

[Petit Papillon]

Well then it's your law system that has some flaws . In Europe you can wish to get such high recompensations for accidents, if you get few hundred thousands euro than you're really "lucky" but the damage must be very serious as well. It shouldn't be a reason to not give free basic insurance to the society . Those are two different things.

[DoesntMatter]

Well then it's your law system that has some flaws .

Fixing this problem is called 'tort reform,' something the Democrats do not want to do.

It shouldn't be a reason to not give free basic insurance to the society . Those are two different things.

What works in Europe and other homogeneous societies will not work here in the US

[Petit Papillon]

What works in Europe and other homogeneous societies will not work here in the US

It could work , but it takes time to do such a big reform not only in law but also in mentality . Everything is possible.

[Bo]

I got slammed into by some woman and I just lawyered up immediately because I knew my vehicle insurance adjusters were going to be a-holes (they were). I don't even have to worry about the general healthcare part being in Canada, but my long-term physio wasn't covered (I was required to go five days a week at $40 per session for two months) and I'd need to pursue legal action for that. I met with a lawyer who didn't charge unless paid, and managed to get enough to cover my physio and time off work. I didn't go after the dumbass who hit me for anything else because I wasn't interested in getting rich, just getting well. Lawyers come in handy when insurance falls short.

I went to my 1st chiropractor visit yesterday, I have bones in my spine that are out of place and he said most likely damaged ligaments in my neck, and a right lean. Fun. Not. Their insurance will pay for my medical bills or i will have to lawyer up. Insurance companies are brutal, they will do anything to not pay. But lawyers are so expensive even the ones that say they don't get paid til you do. If they are taking 35% after everything is subtracted out you're left with not very much. I've seen it happen personally to so many ppl and my mom as well.

Hope you feel better soon, Bo.

Thanks indie, I appreciate it! Where is the thank you button, am i blind?

I can't watch a hockey game on TV without being spammed by personal injury lawyer commercials. In the US, if you are in a car accident, you can sue the person who caused the accident for millions of dollars. Tens of millions of dollars. Stupid juries who have no concept of the value of money, but believe "SOMEONE should pay," will award a person gratuitous sums of cash. The insurance companies are the ones who pay for it. Which means people who need to buy insurance pay for it.

So in short, a few people get rich from accidents, at the expense of people who buy insurance.

It's the same thing in medicine- a doctor can't save a persons life and the doctor is sued for tens of millions of dollars. Recently in Connecticut, a jury awarded a couple $58.6 million judgement against an ob/gyn doctor because their son was born with brain damage and not due to negligence. And people wonder why healthcare costs are so fuccking high in this country?

DM, where are you getting you're information? That's an enormous exaggeration. Find me one case where some got paid tens of millions because of a car accident? Have you had personal experiences with it? Every single person i've known has never got more than a few grand out of car accidents. Typically where I live insurance companies will only pay out as much as their contract with the person said they would 10,000-20,000 for personal injuries, 100,000 for loss of life etc.

[Bo]

Why is it that countries that are far behind us in development can afford to pay for healthcare and we can't? Too many reason and I think you have the wrong idea DM. And I'm assuming you come from a family that's typically been well off. The 'rich' will never understand the problems of the working class because they simply don't need to, it doesn't affect them.

[Bo]

I know more than two ppl close to me that had the same problem I did and they were only paid 2 grand....tens of millions is a gross exaggeration.

Not only that these ppl have problems to this day because of the accident. 2 grand for a life time of problems? Seems pretty unjust to me.

[Bo]

I was told by my doctor that I should not talk to the insurance company and to refer them to him because they will most likely harrass me and try to get me to settle for $500. I will not be cheated by the system, I know that much.

[DoesntMatter]

DM, where are you getting you're information? That's an enormous exaggeration. Find me one case where some got paid tens of millions because of a car accident? Have you had personal experiences with it? Every single person i've known has never got more than a few grand out of car accidents. Typically where I live insurance companies will only pay out as much as their contract with the person said they would 10,000-20,000 for personal injuries, 100,000 for loss of life etc.

It's not an exaggerration at all. Local personal injury lawyers are always bragging about having more multimillion dollar settlements than the other guys in town.

The thing is, even if it just 1 / 1,000 cases has ssome huge settlement, it becomes very costly to people who buy insurance...

Why is it that countries that are far behind us in development can afford to pay for healthcare and we can't?

All the stupid bureaucracy (and the unnecessary jobs it creates) behind healthcare that is required by government (owing to all the paperwork) probably has a lot to do with it.

Too many reason and I think you have the wrong idea DM. And I'm assuming you come from a family that's typically been well off. The 'rich' will never understand the problems of the working class because they simply don't need to, it doesn't affect them.

A family that's typically been well off? My dad is an immigrant who came here poor, he ended up getting into a good school and work as an engineer for many years, which is well-paying, but has no pension or job security. That's not exactly rich.

If I was rich, I don't think my phone would be a LG VX5200

[Bo]

It's not an exaggerration at all. Local personal injury lawyers are always bragging about having more multimillion dollar settlements than the other guys in town.

The thing is, even if it just 1 / 1,000 cases has ssome huge settlement, it becomes very costly to people who buy insurance...



All the stupid bureaucracy (and the unnecessary jobs it creates) behind healthcare that is required by government (owing to all the paperwork) probably has a lot to do with it.



A family that's typically been well off? My dad is an immigrant who came here poor, he ended up getting into a good school and work as an engineer for many years, which is well-paying, but has no pension or job security. That's not exactly rich.

If I was rich, I don't think my phone would be a LG VX5200

Yes it's costly to those to buy insurance and injure ppl in an accident after slamming their car. And I seriously seriously doubt anyone ever gets that much, they'd have to crippled from head to toe....and in that case. You can't put a price on someone's life if they're gonna be crippled and in a wheel chair the rest of your life especially because of some idiot who was driving drunk and now someone's life is over.

Capitalism capitalism capitalism.

And where did you get your rich mentality from then? .......ahh nvm I see.......

I actually know someone who got hit by a car while riding his bike and he got NO WHERE near even half a mil.....come on DM. You can't be serious...

[DoesntMatter]

you get your rich mentality from then? .......ahh nvm I see.......

What are you talking about? What "rich mentality" is this? People shouldn't ever, ever be awarded these huge sums... don't you agree? I'm not arguing the $50,000 for another persons surgery...

I'm with you that healthcare costs are way too high in this country and that they should, but more importantly, CAN be much less. Tort reform and killing government bureaucracies are two ways to get there

I actually know someone who got hit by a car while riding his bike and he got NO WHERE near even half a mil.....come on DM. You can't be serious...

Like I said- it's a small number who get those hueg settlements, but that drives up the cost!

[Bo]

What are you talking about? What "rich mentality" is this? People shouldn't ever, ever be awarded these huge sums... don't you agree? I'm not arguing the $50,000 for another persons surgery...

I'm with you that healthcare costs are way too high in this country and that they should, but more importantly, CAN be much less. Tort reform and killing government bureaucracies are two ways to get there



Like I said- it's a small number who get those hueg settlements, but that drives up the cost!

Well the rich mentality thing....too much to type down.

But yes if someone was get getting a mill because they bumped their head then it is totally rediculous.

[IndiReloaded]

I understand where DM is coming from. I personally know of a few people who were in an accident and are abusing the system. Using the accident as an opportunity to slack off work, go for more physio than they really need...

I was t-boned by a stupid woman a few years ago. 100% her fault, she destroyed our car. Now, I do know enough about injuries that I went to see my physio immediately the next day even tho my symptoms were mild at the time. Because I did this I needed exactly ONE session. I took a week to recover, went slowly back to my workout routine and I've been fine. This wasn't a small accident either: both our airbags went off and our car was totalled.

But the physio and ICBC adjuster were encouraging me to take more sessions, put in a claim for a longer car rental... all ridiculous and unnecessary. They both seemed amazed that someone would tell them 'no, I'm fine, save it for someone who really needs it'. I think there are a lot of whiny-ass people out there who take advantage of the system. In the end, however, someone pays and here in BC its us with the highest insurance rates in the country.

[IndiReloaded]

I went to my 1st chiropractor visit yesterday, I have bones in my spine that are out of place and he said most likely damaged ligaments in my neck, and a right lean. Fun. Not.

I had this. Again, it took ONE physio session to sort this out (plus exercises). I don't like chiropractors, they don't have a vested interest in you only going for one session and they aren't trained to heal muscular damage. You'll see; s/he will have you coming back for at least 8 weeks. You are much better off going to see a physio who is trained in spinal manipulation, IMO.

[Bo]

I understand where DM is coming from. I personally know of a few people who were in an accident and are abusing the system. Using the accident as an opportunity to slack off work, go for more physio than they really need...

I was t-boned by a stupid woman a few years ago. 100% her fault, she destroyed our car. Now, I do know enough about injuries that I went to see my physio immediately the next day even tho my symptoms were mild at the time. Because I did this I needed exactly ONE session. I took a week to recover, went slowly back to my workout routine and I've been fine. This wasn't a small accident either: both our airbags went off and our car was totalled.

But the physio and ICBC adjuster were encouraging me to take more sessions, put in a claim for a longer car rental... all ridiculous and unnecessary. They both seemed amazed that someone would tell them 'no, I'm fine, save it for someone who really needs it'. I think there are a lot of whiny-ass people out there who take advantage of the system. In the end, however, someone pays and here in BC its us with the highest insurance rates in the country.

Well i definitely don't think people should abuse the system and hopefully it won't take me too long to recover, since i have a life to live and really don't have time to be going to the chiropractor all the time. I just hope I can start sleeping soon since I've barely been able to since the accident...

[IndiReloaded]

Get yourself some Robaxacet. Helped me.