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Protect Yourself

To most folks an insurance policy may as well be written in a foreign language.  The only time its   attempted   to  be read  is when there has been a loss .It’s unfortunate this isn’t done when the insurance is purchased. All day long on television we are bombarded by ads from the Insurance Giants   boasting of the lowest rates. It’s too bad the discussion doesn’t continue and describe what protection you are getting for your  money . Most clients are only concerned in   protecting   themselves   in the event they cause an accident n[ie I don’t want to lose my house ]. But what   happens    if you are the victim of someone’s negligent  driving ? How are you   protected ? Uninsured /Underinsured motorist coverage is for the protection  of  you and the occupants in your vehicle .In New Hampshire where auto insurance isn’t required its especially important .With the cost of medical care today  and the prospect  of not being able to work due to injuries Uninsured /Underinsured motorist coverage can be a lifesaver.

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Loser pays or Goliath vs David

Loser pays or Goliath vs David

 

At this year’s New Hampshire legislative session there has been  an attempt to impose a loser pays provision for certain claims .This is not the first time this issue has surfaced. It sometimes has been debated  on the National Stage along with attempts to limit a persons right to damages from Catastrophic injuries caused by the negligent acts of another .Loser pays would impose legal fees by the prevailing party against the losing party .The rationale advanced is often, too many  frivolous lawsuits . The reality is it would put our legal system beyond the means of persons of modest means. The wealthy can afford legal representation and if they lose   ,so what. It’s only  money .  The threat of losing  would have a chilling effect on the rest of us even with meritorious claims .The solution already available would be to petition the Court early in the process to dismiss the lawsuit and if in the Court’s judgment the lawsuit is utterly lacking in merit then to assess costs and fees. The assessment of fees should not be done automatically .Someone always wins and someone always loses a lawsuit. It doesn’t mean because someone loses a lawsuit it is without merit . Loser pays puts the average person

at a disadvantage against Big Money .

 

Loser Pays or Goliath vs David

 

At this year’s New Hampshire legislative session there has been  an attempt to impose a loser pays provision for certain claims .This is not the first time this issue has surfaced. It sometimes has been debated  on the National Stage along with attempts to limit a persons right to damages from Catastrophic injuries caused by the negligent acts of another .Loser pays would impose legal fees by the prevailing party against the losing party .The rationale advanced is often, too many  frivolous lawsuits . The reality is it would put our legal system beyond the means of persons of modest means. The wealthy can afford legal representation and if they lose   ,so what. It’s only  money .  The threat of losing  would have a chilling effect on the rest of us even with meritorious claims .The solution already available would be to petition the Court early in the process to dismiss the lawsuit and if in the Court’s judgment the lawsuit is utterly lacking in merit then to assess costs and fees. The assessment of fees should not be done automatically .Someone always wins and someone always loses a lawsuit. It doesn’t mean because someone loses a lawsuit it is without merit . Loser pays puts the average person

at a disadvantage against Big Money .