If the action calls for someone to take legal action then yes do so. But I do believe that people today do not stop and think before they act and in turn sue others for the most stupidest reasons and to just be mean and hateful.

You might want to cover how difficult it is to sue someone when you live out of state. My sister in law was disabled and lost her job. She fell and was taken to the hospital. Her homeowners insurance was cancelled when she was in the hospital for months and she was unable to get her mail. The mail was stopped by the Post office because it was backing up. It took a couple months for the police to be called in only to find her in the hospital. During her stay in the hospital the oil company stopped delivery and the house had frozen pipes. My wife went to her sisters home to get her cloths to leave the hospital. She found water damage in her house. My wife immediately went to the insurance company agent who refused the claim because the insurance company had cancelled the policy during her stay in the hospital.

The insurance company agreed to accept the claim after a complaint to the insurance company. After they made an agreement to pay replacement for the house they slammed the sister with a "as is" settlement. They also failed to pay for her meals so they basically starved her for months. She died a few weeks after we finally got her to our house to get her the attention that she did not get in her own state.

To add insult to the matter the insurance company is now suing the oil company and they filed for lots of extra items which was not caused by the frozen pipers. In the end it looks like the insurance company is going to make a lot of money by some of the worse in human treatment.

The government of the state is basically in the business of protecting the insurance companies. They get away with some of the worse business policies one can imagine.

You want to cry about too many law filing but you really should show the impossible situation it is for someone out of state to go after some really bad people in the insurance industry.

BTW the sister in law house went into foreclosure because she was in the intensive care of a hospital and the bills were not paid due to her health problems. The action done by the insurance company was the basic minimum because they were counting on the house being taken away and the insurance policy is claim is cancelled when the property is transfered.

It was one of the most disgusting actions I have ever observed in my life. I was identified as a complainer by the insurance company but I was not the one who was starving a disabled lady.

My sister in law died a few weeks after many months of abuse by her insurance company.

My sister in Law has two former governors of the state in her family tree along with one of George Washington's Generals. Her many times great grandfather was taken as a prisoner of war of the british and became one of those placed in the prison ships of the british in the New York harbor. He was never heard from after the british dragged hims from his home during the british raid on Danbury during the revolution. It looks like he must have had the same insurance company

It is easy to say that there are too many but if someone is out of state then you might find it next to impossible to sue someone. In March 2007 my sister in law who was a person of disability fell and was taken to the hospital after a 911 call. After a month the mailman complained to the police of the mail back up. The police came and found the house empty. They found a telephone number to her doctor and he informed them that she was in the intensive care unit of a local hospital. During the time she was in the hospital the mail was stopped. The homeowners insurance cancelled her policy which she paid monthly. The oil company stopped delivery because she did not pay her oil bill. My wife drove 300 miles to get her some cloths when she was scheduled to be released. She discovered that the pipes froze in the house and some water damage was done.

My wife drove to the agent who sold the policy and they would not take the claim. They refused payment on the policy because my wife refused to sign a form that there was no damage to the property. If there is damage then they will not renew the policy even if anyone else can just make payment. The policy was canceled 3 days prior to my wife's attempting to make the claim. My sister in law had been in the hospital for several months and unable to get the mail which was not being delivered by the post office.

I called the company adjustor and he refused to take the claim. He told me that if I did not like his action I can make a complaint to the consumer protection agency. I elected to fax the insurance commissioner office who within minutes had the adjuster accepting the claim. The adjuster stated that he did not think the pipes froze during the 3 days that policy had been canceled so the claim was valid. The three days were unusually warm for early april. The temperatures had gone into the mid 80's during those days.

The insurance company took no action and a month later I returned to the insurance commissioner office. They gathered statements from the insurance company that everything was going well even if they had done nothing. They hired an outside company to write up an estimate. After 3 years of effort they still have never produced any written documents on their estimate or why they did different things. The actions they took looked very much like they were doing what was necessary to have the claim killed when a home goes into foreclosure. My sister in law who before her hospital had a credit score of 800 plus faced being homeless and living on the streets. She had been living in a million plus house with almost no mortgage on the property. Insurance claims on properties sold or no longer in the ownership of the policy holder are cancelled with no payment due to the policy holder.

My sister in law was faxed a settlement from the insurance company over $150,000 less than the claim which had been filed. She had not received her meal allowance for almost two months and she was never reimbursed for her meals if she actually had money at the time for food. She could take the terrible settlement or lose the entire claim because the house had to be sold because the insurance company send a contractor into the house and ripped out everything. They took the contents of the home and put them into the trash. They never paid for those items that they had trashed. The mother was a graduate of the Julliard as a piano major. Her father who died very young was a federal judge and he purchased a very nice grand piano which the insurance company just discarded and never paid her for the lose.

My sister who was discharged in March from a medical facility because hr medical insurance had been cancelled again because she was not getting the bill. She spent months in a small motel room provided by the insurance company even if the policy was for similar living facilities. She had no money to pay for the phone calls necessary to work her problems and the insurance company refused to pay for her phone at the motel.

After months in the room she was so sick that the motel called 911 and the police took her to the hospital. She was released after a week and we took her into our home. My wife hoped to get her health back but she died in a few weeks from in my opinion was very much the result of the horrorable treatment by her insurance company.

BTW the insurance company to really insult their customer are now in superior court going after the oil company for all the costs they did provide even if most of the costs were due to mold which could not have been caused by a new water leak which had still had running water. They will actually make a profit from their actions.

I think you might consider that maybe there is not enough court actions again clear skunks. My wife wrote to the governor but got a letter that she was sending it to the insurance commission who we were saying doing a bad job. Of course we received a letter telling us about all the hard work they had put into help my dead sister in law. I really am thinking of moving back to Connecticut to help vote the governor out of office. We made an attempt to contact a few lawyers but it appears that they do not want to go against the gravy train that the insurance company provide lawyers to insure they can sue oil companies to make a profit from very bad claim service

If you are one of the folks who think we have not gone way overboard with litigation in the US, just try getting a definitive diagnosis from a doctor without twisting their arm. They're so terrified of getting sued, they don't want to commit!

And that doesn't even address the horribly inflated cost of all the unnecessary medical tests ordered by doctors just to try to avoid getting sued just in case they missed some tiny little thing.

Law suits need to be carefully thought out and researched, not only by the lawyers but by those bringing suit. Lawyers will, most of the time, take a case they thing can be won because of the money they will get (usually 10%) which explains the huge amounts of most law suits. After all, 10% of 1 million is a lot more than 10% of 5 thousand. If you can't get a diagnosis from your doctor then it is not because he is afraid of getting sued - it is because he/she is being careful so as to not give an inaccurate diagnosis or being forced to give a diagnosis before one has been absolutely established as accurate. Most law suits are nuisance variety

i think it comes down to a basic understanding of humanity. we are all human and we make mistakes. everyone has made a mistake or an error in their job at one time or another. i think people need to understand that no one is perfect. sometimes there may be a slippery floor - there is no reason to sue the place or get someone fired if you fall. or if you are trying to get a diagnosis, you should go to a couple doctors and get various opinions. suing should be saved for a major-life threatening mistake that COULD/SHOULD have been prevented within reason...

People sue because they CAN and get away with it....Motivated by GREED and others that have sued and won. We need a cap or something on lawsuits.Part of the problem is attorneys encouraging ignorant people to sue when the only person who really profits is the ATTORNEY. I know, I worked for one for years and saw this first-hand.

Attorneys advertising services based on "what if's" are encouraging this behavior. Somethings are just out of our control, nothing more, nothing less!