Why insurance premiums are so high?

[samintx]

http://content.usatoday.com/communities/...-million/1

amazing award

[ztirffritz]

If you're going to die from a heart attack, that's the way to do it.

[davester]

Interesting story but it's got little to do with insurance rates. There have been plenty of studies that show that so called "tort reform" would have a microscopic effect on insurance rates.

[Ombligo]

The verdict will get overturned on appeal. Some juries are just stupid.

[AllGold]

davester wrote:
Interesting story but it's got little to do with insurance rates.

Little to do with insurance rates in general, but might have a lot more to do with doctors' malpractice insurance rates.

[Uncle Wig]

Ombligo wrote:
The verdict will get overturned on appeal. Some juries are just stupid.

You've got to separate the cause of death from the circumstances. If this guy had heart problems, and the doctor failed to warn him against strenuous activity, and he died on a treadmill, I don't think people would think it's so ridiculous.

[AllGold]

Good point, Wig. But still, no one--even a cardiologist--would expect a 31-year-old (who happens to be employed as a police officer and expected to maintain a good level of fitness) to be likely to drop dead of a heart attack.

[samintx]

davester wrote:
Interesting story but it's got little to do with insurance rates. There have been plenty of studies that show that so called "tort reform" would have a microscopic effect on insurance rates.

It is a Joke Dave. i.e.Frivolous lawsuits...

[davester]

samintx wrote:
[quote=davester]
Interesting story but it's got little to do with insurance rates. There have been plenty of studies that show that so called "tort reform" would have a microscopic effect on insurance rates.

It is a Joke Dave. i.e.Frivolous lawsuits...
It's good to know that you consider it a joke. There are many who believe it to be true.

[RAMd®d]

"The type of sex that he was engaged in is the type that's totally unacceptable to our community,"

And as it's totally irrelevant, why the morale judgement.


If this guy had heart problems, and the doctor failed to warn him against strenuous activity, and he died on a treadmill, I don't think people would think it's so ridiculous.

Exactly.

Or, while chasing a suspect, as mentioned. A few years ago, a deputy in my county died chasing a burglar up a hill. He was 50, but in what most people would think decent shape.


But still, no one--even a cardiologist--would expect a 31-year-old (who happens to be employed as a police officer and expected to maintain a good level of fitness) to be likely to drop dead of a heart attack.

I guess you're assuming that the "no one" and "cardiologists" have never examined the patient, to come to that conclusion.

A cardiologist, and not stupid people with little or no medical training, should certainly expected something:

Martinez's death from atheroschlerotic coronary artery disease, agreeing with the plaintiff that the doctor did not properly diagnose and treat Martinez for high blood pressure, chest pains, shortness of breath and irregular heartbeat.

"Take two aspirin, walk it off, and call me in the morning."

The comments section for the article shows that there should be no comments section.

Often, kibitzers are dumber than juries. At least the jury was exposed to some facts before making their decision.