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#26 2009-10-22 10:28 am

bedstuy
Archimandrite, Eastern Elite
From: King Cole Bar, St. Regis Hotel
Registered: 2003-09-20
Posts: 13884

Re: Dems play hardball with the insurance douches

::summons Commander Codpiece::

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#27 2009-10-22 10:37 am

radarman
Member
Registered: 2005-02-28
Posts: 4030

Re: Dems play hardball with the insurance douches

Tallgeese wrote:

ShnickyShnack wrote:

As I understand it, the punitive damages are what make the lawsuits so crazy. Plus lawyers can file a lawsuit and not pay a dime (outside their own time) if they lose. The former needs to be capped, the latter stopped. Loser pays court costs.

No.

resedit wrote:

I don't think loser should pay court costs unless it can be demonstrated they were trying to run a scam.
I don't like the idea of someone being afraid to sue a big corp because big corp can afford better fancier lawyers and they are afraid they'll not only lose, but be poorer for their attempt at justice.

Also, something has to be done about punitive damages, but lowering them so they're no longer punitive isn't the answer. They exist partially because having to pay a fine and/or real damages every so often isn't always an incentive to stop doing careless things that hurt someone.

Loser pays is ridiculously awful unless there are controls in place to keep large defendants from annihilating smaller plaintiffs. Otherwise, it would be stupid to sue a corporation. They have better, more expensive lawyers; which would turn the justice system into a reverse lottery. Your odds of "winning" are still bad, only now instead of losing the price of a ticket, you end up in bankruptcy.

Punitive damages, on the other hand, are stupid. They are almost always reduced, because they are almost always far too punitive. Set the statutory limits such that they are "punitive enough", and eliminate punitive damages outright. Don't even allow them. This will indirectly help with malpractice insurance, because now there is an upper limit to damages. You no longer have to plan for stratospheric damages.

I also think we need a grand jury -esque system to filter what gets into civil court. While not perfect, it would at least filter the most egregious lawsuits out.

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#28 2009-10-22 11:10 am

Ribtorus
Member
Registered: 2002-07-11
Posts: 14116

Re: Dems play hardball with the insurance douches

Loser pays is just fine. But it applies to certain classes of suits.


I just don't think I could see myself living in a house without mirrors.

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#29 2009-10-22 12:56 pm

Tallgeese
Homo loquax nonnumquam sapiens
Registered: 2000-10-17
Posts: 34923

Re: Dems play hardball with the insurance douches

Ribtorus wrote:

Loser pays is just fine. But it applies to certain classes of suits.

Judge Judy?


I still believe in liberalism today as much as I ever did, but, oh, there was a happy time when I believed in liberals.

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#30 2009-10-22 5:06 pm

Daddyo
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From: the last juke joint
Registered: 2004-01-24
Posts: 1128

Re: Dems play hardball with the insurance douches

************************and your mother wears army boots.


A million seconds is 12 days.
A billion seconds is 31 years.
A trillion seconds is 31,688 years.
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#31 2009-10-22 5:11 pm

sturner
Royal High Poobah
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From: Carrollton, TX USA
Registered: 2000-01-31
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Re: Dems play hardball with the insurance douches

Hmmm, I know a couple of people where that statement is absolutely true. And their mothers could probably kick ass pretty good too.
big_smile


I'm not dead yet.
There are 3 types of people, those who can count and those who can't.
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#32 2009-10-22 5:22 pm

Pariah
James Carville Fan..
From: Belly Of The Beast, Oklahoma!
Registered: 2001-05-24
Posts: 19122

Re: Dems play hardball with the insurance douches

Last time I checked malpractice awards amounted to about 3% of health care costs.
It might be a problem but it is a small one and is being used by the right to push for across the board tort reforms which would further disadvantage consumers against large corporations.
Tort reform is far more about letting business avoid responsibility than anything else.


But now the sun beats down on the asphalt land
Like a hammer invoked from God's left hand
What little still grows cringes in the shadows till the night fall...

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#33 2009-10-22 6:43 pm

resedit
Chicken Little
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Re: Dems play hardball with the insurance douches

Pariah wrote:

Last time I checked malpractice awards amounted to about 3% of health care costs.

It's not just the awards and resulting cost of insurance, it's the cost of tests that doctors order that they normally wouldn't because they want as much documentation as they can get when their diagnosis is questioned before a jury of regular joe's who haven't been to medical school.


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#34 2009-10-22 6:45 pm

mo' ron
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From: NC, USA
Registered: 2002-10-15
Posts: 14482

Re: Dems play hardball with the insurance douches

The threat of lawsuit is one of the self-regulating mechanisms of the free market, why would you want to weaken this? So what if a dr. runs an extra test? I bet there are plenty of things that have been caught because of an “extra” test or 2.


What is the difference between Vista and OSX?
- Microsoft employees are excited about OSX.

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#35 2009-10-22 6:48 pm

resedit
Chicken Little
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Registered: 1999-11-01
Posts: 51858
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Re: Dems play hardball with the insurance douches

Example - beginning of this year I hurt my shoulder. I think I posted on it in unplugged.
Wasn't getting better so I finally went to Doctor. She told me she suspected tendonitus (sp?) but normally would order an MRI but since I didn't have insurance, she would only order one if I was willing to pay. I wasn't, so I just got the steroid shot - if it wasn't better in 24 hours, then I'd have to call back to possibly schedule an MRI.

If I had insurance, an MRI would have been done. Not because she expected to find anything, but more than likely to cover her ass in the off chance that it was something else.


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#36 2009-10-22 6:54 pm

resedit
Chicken Little
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Re: Dems play hardball with the insurance douches

She also wrote me a prescription for physical therapy. I asked if it was really necessary, she told me she had to write the prescription. Whether I used it was up to me. I looked up exercises and did it on my own, I wasn't going to pay for physical therapy, and I'm fine. But if she hadn't written the prescription and I further damaged myself, I might have been able to sue.

Insurance would have paid, and had I had insurance, I probably would have gone - driving up premiums.


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#37 2009-10-22 6:57 pm

mo' ron
PS3 4 EVA
From: NC, USA
Registered: 2002-10-15
Posts: 14482

Re: Dems play hardball with the insurance douches

Nothing you posted demonstrated any reason why doctors shouldn’t try and cover their bases, or why they shouldn’t be legally liable for a misdiagnosis.


What is the difference between Vista and OSX?
- Microsoft employees are excited about OSX.

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#38 2009-10-22 7:17 pm

resedit
Chicken Little
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Registered: 1999-11-01
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Re: Dems play hardball with the insurance douches

mo' ron wrote:

Nothing you posted demonstrated any reason why doctors shouldn’t try and cover their bases, or why they shouldn’t be legally liable for a misdiagnosis.

I didn't say they shouldn't cover their bases or be liable for a misdiagnosis.

The problem is the absurdly high awards that are granted result in increased medical costs for tests and procedures that are not necessary.

Last edited by resedit (2009-10-22 7:18 pm)


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#39 2009-10-22 7:32 pm

Graphic Autist
Scumdog of the Universe
From: Antarctica
Registered: 2003-06-08
Posts: 1077
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Re: Dems play hardball with the insurance douches

resedit wrote:

mo' ron wrote:

Nothing you posted demonstrated any reason why doctors shouldn’t try and cover their bases, or why they shouldn’t be legally liable for a misdiagnosis.

I didn't say they shouldn't cover their bases or be liable for a misdiagnosis.

The problem is the absurdly high awards that are granted result in increased medical costs for tests and procedures that are not necessary.

So...just use Web MD instead?


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#40 2009-10-22 7:52 pm

resedit
Chicken Little
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Registered: 1999-11-01
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Re: Dems play hardball with the insurance douches

What does Web MD have to do with anything?


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#41 2009-10-22 8:11 pm

Pariah
James Carville Fan..
From: Belly Of The Beast, Oklahoma!
Registered: 2001-05-24
Posts: 19122

Re: Dems play hardball with the insurance douches

So... let me get this straight.
You want The Government to restrict a citizens right to a fair redress in a court of law? It's OK to take away the rights of citizens to protect businesses?


But now the sun beats down on the asphalt land
Like a hammer invoked from God's left hand
What little still grows cringes in the shadows till the night fall...

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#42 2009-10-22 9:30 pm

robco
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From: Sodom
Registered: 2004-12-04
Posts: 8317
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Re: Dems play hardball with the insurance douches

Part of the problem is that we'd like to throw out the frivolous lawsuits, but most judges are trained in the law and not medicine. They're not really equipped to determine what is or isn't a frivolous lawsuit when it comes to medical malpractice.

We can impose limits, but they need to be pegged to a value that can increase with inflation. CA has limits and good luck getting an attorney who will take your case - the payouts just aren't large enough to justify the time and energy to take the case.


It is an odd thing, but every one who disappears is said to be seen at San Francisco. It must be a delightful city, and possess all the attractions of the next world.
- Oscar Wilde

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#43 2009-10-22 9:45 pm

resedit
Chicken Little
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From: /dev/null
Registered: 1999-11-01
Posts: 51858
Website

Re: Dems play hardball with the insurance douches

Pariah wrote:

So... let me get this straight.
You want The Government to restrict a citizens right to a fair redress in a court of law? It's OK to take away the rights of citizens to protect businesses?

I want limits put on the payout that can be awarded from malpractice lawsuits, if that's what you mean.

Intentional malpractice is criminal, but most mistakes are not intentional, and some of them quite likely couldn't have been avoided. However, they are often decided by juries who do not know and the size of the judgments is emotion driven, it's not justice.


There are two kinds of people who keep rattlesnakes.
Those who have been bit, and those who will be bit. - Al Wolf.

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#44 2009-10-22 10:13 pm

KHannon
Member
Registered: 2000-05-14
Posts: 3149

Re: Dems play hardball with the insurance douches

resedit wrote:

Pariah wrote:

Last time I checked malpractice awards amounted to about 3% of health care costs.

It's not just the awards and resulting cost of insurance, it's the cost of tests that doctors order that they normally wouldn't because they want as much documentation as they can get when their diagnosis is questioned before a jury of regular joe's who haven't been to medical school.

Unsupported generalization.

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#45 2009-10-22 10:14 pm

KHannon
Member
Registered: 2000-05-14
Posts: 3149

Re: Dems play hardball with the insurance douches

resedit wrote:

Intentional malpractice is criminal, but most mistakes are not intentional, and some of them quite likely couldn't have been avoided. However, they are often decided by juries who do not know and the size of the judgments is emotion driven, it's not justice.

Unsupported generalization.

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#46 2009-10-22 10:29 pm

Farmerkev
Official Dementor
Moderator
Registered: 2003-01-03
Posts: 19133

Re: Dems play hardball with the insurance douches

KHannon wrote:

resedit wrote:

Pariah wrote:

Last time I checked malpractice awards amounted to about 3% of health care costs.

It's not just the awards and resulting cost of insurance, it's the cost of tests that doctors order that they normally wouldn't because they want as much documentation as they can get when their diagnosis is questioned before a jury of regular joe's who haven't been to medical school.

Unsupported generalization.

The cost of defensive medicine is not unsupported nor is this a court of law.
If it would make you happy to have a link to get your education started-
http://advance.uconn.edu/2009/090223/09022302.htm
http://www.huffingtonpost.com/johnny-be … 43537.html
http://online.wsj.com/article/SB125193312967181349.html


I was so depressed last night thinking about the economy, wars, jobs, my savings, Social Security, retirement funds, etc., I called the Suicide Lifeline. I got a call center in Pakistan, and when I told them I was suicidal, they got all excited, and asked if I could drive a truck.

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#47 2009-10-22 10:49 pm

KHannon
Member
Registered: 2000-05-14
Posts: 3149

Re: Dems play hardball with the insurance douches

Farmerkev wrote:

KHannon wrote:

resedit wrote:

It's not just the awards and resulting cost of insurance, it's the cost of tests that doctors order that they normally wouldn't because they want as much documentation as they can get when their diagnosis is questioned before a jury of regular joe's who haven't been to medical school.

Unsupported generalization.

The cost of defensive medicine is not unsupported nor is this a court of law.
If it would make you happy to have a link to get your education started-
http://advance.uconn.edu/2009/090223/09022302.htm
http://www.huffingtonpost.com/johnny-be … 43537.html
http://online.wsj.com/article/SB125193312967181349.html

This may not be a court of law.  My point was, without any form of support, it is equivalent to his innane ramblings of the end of the world.  If you possessed literacy, you would be able to tell that I said HIS statements were unsupported.  I did not say that the concept of "defensive" medicine was unsupported.  My point was that debating Res is like trying to debate a moving target because he makes unsupported generalizations without providing the basis for his "beliefs." 

But I LOVE that you have brought back your Moderator combativeness®.  It's so becoming.

The problem with defensive medicine speculation in our society is that the studies that form the basis of this belief have serious methodological problems and have led non-partisan entities, such as the Congressional Budget Office and the Government Accountability Office, to conclude that evidence about the extent and cost of "defensive medicine" has been inconclusive.  The CBO concluded that "On the basis of existing studies and its own research, CBO believes that savings from reducing defensive medicine would be very small."  The GAO concluded similarly (and suggested that profit rather than fear of lawsuits may drive "defensive medicine".  Even the AMA finds the extent and costs of it to be difficult to quantify.  This study here discussing the GAO/CBO studies on "defensive medicine":  http://www.justice.org/resources/Medica … dicine.pdf


All told, I believe that extensive reform of medical malpractice is necessary.  I wouldn't go so far as Radarman in holding that all pain and suffering is "crap" or useless, but I also agree that the amorphous nature of the extent of liability (because of punitive damages) is inherently unjust.

Last edited by KHannon (2009-10-22 10:54 pm)

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#48 2009-10-22 10:55 pm

user
Your plastic pal who's fun to be with
From: I'm not getting you down, am I
Registered: 2001-10-15
Posts: 16508

Re: Dems play hardball with the insurance douches

Why would intentionality be a factor in a malpractice suit?


Aw, he's no fun, he fell right over.

Unless you become as little children, there's no way you will believe this crap.

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#49 2009-10-22 10:57 pm

KHannon
Member
Registered: 2000-05-14
Posts: 3149

Re: Dems play hardball with the insurance douches

user wrote:

Why would intentionality be a factor in a malpractice suit?

Well if you INTENTIONALLY engaged in malpractice, theoretically you have opened yourself up to criminal liability, and to the extent that punitive damages require "extreme and outrageous" conduct, it can elevate the level of damages you would be susceptible to.  Even outside of punitive damages, a jury would likely award more pain and suffering to a victim of intentional malpractice than against doctor who simply made a mistake.

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#50 2009-10-22 11:09 pm

ShnickyShnack
::: title edited due to Satanic influences :::
From: Rockin' out
Registered: 2001-05-25
Posts: 22237

Re: Dems play hardball with the insurance douches

:: awaits mass deletion of posts ::


Note: please delete this post.

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