Massive insurance claim
Discussion
http://www.dailymail.co.uk/news/article-2105501/Si...
This is indeed very sad, but £5M lump sum plus £450,000 pa for life for a 6 year old?
Is this why insurance costs are so high?
This is indeed very sad, but £5M lump sum plus £450,000 pa for life for a 6 year old?
Is this why insurance costs are so high?
As you say, it's a sad case, but things that have happened subsequently are stupid to be frank. Firstly, I doubt the little girl will have any benefit from all that money (if she even has awareness of what money is). Sure it'll make the parents rich, but that won't make up for their child's injuries either.
But my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this.
I'll don my flamesuit before all the humanists arrive and proclaim me a monster now
But my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this.
I'll don my flamesuit before all the humanists arrive and proclaim me a monster now
Well to answer the question - No. The insurance cost is already high and this was only decided yesterday.
I doubt very much that the value of the claim was decided on easily this case has been running for years and the circumstances of the family would have been accounted for. The girl needs 24 hour care and specialist equipment and the house would need to be converted to accommodate those needs.
This should be remembered as an inexperienced driver with a car that was way too powerful causing the serious injury that this family have had to live with the consequences of since. I think the guy is involved with charity work now and I would imagine not a day goes by without regret on his part. Anyway just be careful out there.
I doubt very much that the value of the claim was decided on easily this case has been running for years and the circumstances of the family would have been accounted for. The girl needs 24 hour care and specialist equipment and the house would need to be converted to accommodate those needs.
This should be remembered as an inexperienced driver with a car that was way too powerful causing the serious injury that this family have had to live with the consequences of since. I think the guy is involved with charity work now and I would imagine not a day goes by without regret on his part. Anyway just be careful out there.
Codswallop said:
my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this
Would you personally decide to turn off life support for your own child if you were in the same position? It's easy talking about other people, but don't underestimate the human desire for you or your family to survive.Codswallop said:
PurpleMoonlight said:
http://www.dailymail.co.uk/news/article-2105501/Si...
This is indeed very sad, but £5M lump sum plus £450,000 pa for life for a 6 year old?
Is this why insurance costs are so high?
Not sure why they got the 5mill PLUS 450k a year.... although I still don't think it is a massive sum when you start to seriously consider how much 24/7 care will cost for the next 70 years. This is indeed very sad, but £5M lump sum plus £450,000 pa for life for a 6 year old?
Is this why insurance costs are so high?
After a payout like this all state care / NHS support would be withdrawn or the family would be expected to cover the full cost. Lifetime cost of care, aids, accommodation, medical bills.......I mean it would add up to a fortune and surely it is better that the insurance company pay out than the tax payer pick up the bill?
I also agree with Codswallop, personally if I were ever injured to that extent I would want my family to switch off the life support. I have discussed it with them and I know they would also want the plug pulled, what is the point in staying alive as a vegetable.
Also, the punishment the other driver recieved was pathetic.... 70mph in a 30 is just reckless.
I agree that she deserves compensation but frankly it's excessive. The compensation should be sufficient for the parents to move house/modify theirs for disabled access and then the annual pay out should be sufficient to cover the care required.
Having a severely brain damaged cousin (14 years old, virtually immobile, no speech, can feed herself, has to wear nappies) I can tell you my aunty does not need £1200 a day to look after her and certainly didn't need £5m to sort the house out (she initially fitted a lift, then fitted a downstairs bathroom and bedroom and has now moved to a 1 story house) or take care of the initial costs involved.
If it hadn't been a car insurance claim then the injuries would be worth nowhere near what the compensation reflects.
Having a severely brain damaged cousin (14 years old, virtually immobile, no speech, can feed herself, has to wear nappies) I can tell you my aunty does not need £1200 a day to look after her and certainly didn't need £5m to sort the house out (she initially fitted a lift, then fitted a downstairs bathroom and bedroom and has now moved to a 1 story house) or take care of the initial costs involved.
If it hadn't been a car insurance claim then the injuries would be worth nowhere near what the compensation reflects.
s1962a said:
Codswallop said:
my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this
Would you personally decide to turn off life support for your own child if you were in the same position? It's easy talking about other people, but don't underestimate the human desire for you or your family to survive.As things stand, I genuinely struggle to understand what sort of quality of life that girl has, or will have. I for one, would not wish to be kept alive artificially if I were in that state.
Considering we have a fully inclusive NHS system, the judgement is punitive and frankly emotional.
I wouldn't mind, but its obviously not punitive for the driver in any way.
Its punitive toward the taxpayer in increased insurance premiums.
So we are going to spend umpteen million via the NHS on care for the child, and duplicate umpteen million in increased premiums to insurance companies.
I think the judge needs his job removed as he can't make a sensible decision.
I wouldn't mind, but its obviously not punitive for the driver in any way.
Its punitive toward the taxpayer in increased insurance premiums.
So we are going to spend umpteen million via the NHS on care for the child, and duplicate umpteen million in increased premiums to insurance companies.
I think the judge needs his job removed as he can't make a sensible decision.
Codswallop said:
As you say, it's a sad case, but things that have happened subsequently are stupid to be frank. Firstly, I doubt the little girl will have any benefit from all that money (if she even has awareness of what money is). Sure it'll make the parents rich, but that won't make up for their child's injuries either.
But my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this.
I'll don my flamesuit before all the humanists arrive and proclaim me a monster now
No flaming from me, I agree with you.But my biggest bug bear is the current insistance in society that no one should ever die. Ever. TBH, what sort of quality of life is that girl experiencing, when even the most basic bodily functions (ie. breathing) cannot be support without medical intervention. I bet she won't be enjoying herself, I doubt she's much fun to be around for her parents (who are probbaly going to become bitter and psychologically fatigued by their daughters care needs over the years), and she is just a general drain on the health service. We have become too precious as a society and need to learn when it is time to let people go. Hard as that may be in the short run, I think it's better to have good memories of a person while they were around, rather than to prolong uncessary suffering for everyone in extreme cases such as this.
I'll don my flamesuit before all the humanists arrive and proclaim me a monster now
I work in insurance, have two young children and have had a relative live for a number of years with out the ability to do anything for themselves (apart from breath).
Just because you can prolong things doesn't mean you should.
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