What Do Lawyers Do?
It was an insurance research group that reported that there was a decline in auto accident rates but an increase in personal injury claims because of the increasing involvement of lawyers. In this case, even if real improvements in car safety and a reduction in actual auto accidents are being realized, they’re not getting the safety dividend because of how the changes in claim behavior are eating at the savings as the executive director of this non-profit group said. In this case, he was able to release a study showing that the number of personal injury claims has increased dramatically in the states of California, Arizona, Louisiana, South Carolina, and in certain urban areas most notably in Philadelphia, Los Angeles, and Chicago.
Tons of claim files are processed by them and occurring in states and cities with high injury claim frequencies are the highest number of serious injuries. A lot of people complain of neck and back sprains and most of them have their attorneys and this is why these cases account for nearly half of all the auto insurance dollars paid for highway injuries. It is possible for people to be led to this conclusion considering how there is no rational explanation for the question of whether or not the nature of the injuries which are the easiest to fake indicates an increase in exaggerated or fake claims.
In conclusion, he mentioned how the people in California are touchy or that they’re making claims people don’t make in other places. Since 1980, there has been a nationwide increase in the ratio of injury claims to property damage claims according to the Trends in Auto Bodily Injury Claims study, about 30 percent. It is California that does not only have more lawyers than in any other state but also more than any country outside the United States and they also have the highest injury against property damage claim ratio.
The one which comes in second is Arizona and then Louisiana and South Carolina. Among the cities, Philadelphia had the highest ratio with an average of 75 injury claims awarded per 100 property damage accidents for the 1985 87 period. Ranking in second at 60.6 was Los Angeles and the third one was Chicago with a 52.1.
Areas with alarming personal injury claims can actually be linked to the areas which have consumer activism and moves to limit insurance rates in this case. People are working to legislate auto insurance limits in all California, Arizona, Louisiana, and South Carolina. They are experiencing inflating insurance rates resulting from these excessive claims.
He said lawyers seek to build up claims by sending clients to doctors and chiropractors. In this case, the lawyer tries to build up a claim even if the client had no intention of faking a claim. According to the lawyer, they need to consult with doctors and chiropractors to see if they are OK. What the lawyer wants is to build up the medical record.
Compared to those where a lawyer is not involved, medical expenses for claims average about $5,000 higher when there is a lawyer. For every $1 in actual medical expenses, on average, the claimant will get an additional $2 in pain and suffering, and lawyers want to build up that claim. There has been a 42 percent increase in the number of cases which had the involvement of lawyers according to an earlier study by the Insurance Research Council. It was a 1977 Supreme Court decision that he suggested and it was about the barring of restrictions on advertising by lawyers that resulted to the proliferation of lawyer involvement in personal injury cases.
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