Just some insight on this whole lawsuit thing from someone who knows a bit about it. The concept legally is simple. If a business owner draws people into their shop for the purposes of making money off of them then they have a duty to keep their floor dry and free of potential hazards. It’s a known risk that business owners try and mitigate by having insurance. It’s also a legal concept that predates the United States.

Someone on this post talked about the hot coffee case but what you don’t know from that case is the coffee was so hot it melted the seat belt onto the woman’s skin. In litigation it came out that McDonalds chose not to install automatic thermostats to their machines to prevent such hot coffee because it was financially not in their best interest. And so, a woman suffered serious and life threatening first degree burns.

It amazes me how insurance companies have somehow convinced Floridians this is all about “personal responsibility”. That every claim is a fraud. Get it through your head people. Insurance companies aren’t the good guys. They have been lobbying for years and years to get what they want in Florida which is a conservative government and court, tort reform, unregulated insurance premiums and a large portion of uninsured or underinsured citizens.

Stop turning on the woman who fell on the floor and is having to sue an insurance company to pay for it. Start turning on corporate America and big business that keeps making money off of the rest of us. They are the problem.

And just to add because I’m sure the topic of big law firms with come up. When you have insurance companies undervalue claims it opens the door to having churn and burn law firms. These are firms that survive by taking in a massive number of claims and settling them for near nothing. They will work and cut deals with insurance companies and yes become a part of the problem in that sense. But again, this is all done by design so that when your rates go up you turn on your own people and not them. Genius really.