posted on Oct, 28 2009 @ 01:23 AM
I'm glad to see this. I'm an attorney, several of college buddies are Docs, and strangely enough, one of my oldest and best friends is an insurance
agent. So, believe me, this topic comes up with my friends and I.
One thing we can all agree on though, is that it is not the Doctors fault that costs are outrageous; and it is not the attorneys fault for bringing
suits against negligent Docs (malpractice suits account for less than 2 percent of the total costs of health care), and it's not the fault of the guy
that sold the doc the policy..... nope the costs are the result of the Insurance Company and its claims adjusters who only move up company ranks by
denying claims. This creates a horrible corporate mentality and it is driven by nothing but greed.
To illustrate, I'll give my stock answer to all calls for tort reform:
The insurance companies want you to believe that tort reform is the answer. They have paid millions of dollars to advertise that the "Evil Lawyers"
are nothing more than blood sucking vampires that steel money from your pockets by suing innocent Doctors. Stop believing their lies!!!
Lawyers that sue Doctors do so almost exclusively on a contingency fee basis . They don't get paid a dime unless they win the case. Filing a suit
costs a lot of money. Preparing for trial costs a lot of money. Taking the doctors deposition costs a lot of money. See a pattern here? The lawyer
foots that bill and only gets that money back if they win. In order to win, the Doctor had to have done something wrong. Thus, filing frivolous
lawsuits would be insane and financial suicide.
The insurance companies do not want to pay when the Doctor screws up. Who can blame them. But they have no problem cashing that doctors check every
month when she pays her premium.
I dare you to ask a judge about frivolous lawsuits. If you can find one active judge that says frivolous suits are costing the people of his or her
state money, I will star every post you have ever made and flag all your threads. You CANNOT do it, because judges throw out cases without merit.
Period. No merit - no claim. Case closed, so to speak.
Further, check any state that has passed comprehensive tort reform and find out if anyone's premiums have gone down. Not one I guarantee it. The
premiums in those states have risen right along with the national average. The only thing tort reform has done in those states in limit the amount an
innocent injured party can receive in compensation for those injuries. That, and limit how much we as consumers can hit back at a negligent
corporation with by awarding punitive damages.
Tort reform is nothing but corporate immunity and IS an insurance company LIE.