Word: premiums
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...reported that in the states with caps on pain-and-suffering awards, malpractice premiums rose faster than in those without. Why aren't doctors and lawyers combining their considerable political clout to work for regulation of premium costs instead of undermining one another? Insurance companies are running the country's health-care system into the ground, forcing doctors and patients to bear the increasing burden of the insurance firms' poor money-management practices. The insurers are the ones that need regulation. DANA O'LEARY Springfield...
...Volvo's designers added such nifty touches as a children's booster seat in the middle of the second row (a third-row seat is optional) and headrests on the rear seats that fold down if you want to use the interior to haul bulky cargo. The XC90 is premium priced ($40,795 as tested), but it takes Volvo's reputation for safety another step, offering such features as electronic roll-stability control and side-curtain air bags that protect passengers the full length of the vehicle. (The front end was even designed to reduce injuries to a pedestrian struck...
...message's subject line, but these are the easiest filters to fool. Some spammers simply add a period in the middle of a word (s.ex). A THIS IS SPAM button lets you block future mail from a particular address, but limits you to 100 (or 200 for premium users...
...everyone accepts that link. "In theory, tort reform would have an impact on premiums. In reality, that has not been the case," says Martin Weiss, chairman of Weiss Ratings, an independent insurance-rating agency in Palm Beach Gardens, Fla. In a study published this week, Weiss Ratings found that in states without caps on noneconomic damages, median annual premiums for standard medical-malpractice coverage rose 36% between 1991 and 2002. But in states with caps, premiums rose even more--48%. In the two groups of states, median 2002 premiums were about the same. Weiss found nine states with flat...
Raising rates is exactly what malpractice insurers failed to do in the 1990s, even as claims were rising. Zuk concedes that the industry has to accept some blame. "No one wanted to be the first guy to say, 'We've got to start charging the right premium,'" he says. The insurers feared losing market share, and as long as investment income held up, they could ignore rising claims...