In my previous post on this topic – “tort reform” – I explained how and where the misinformation campaign of tort reform was developed: the liability insurance industry. I also explained that this campaign has been so successful, that a national bar association that has existed for over 60 years, the Association of Trial Lawyers of America (ATLA,) apparently felt that the public perception of plaintiffs’ trial lawyers had been so damaged by this misinformation campaign, and public opinion of trial lawyers had sunk so low as a result, that it actually decided to change its name to the “American Association for Justice” (AAJ.) If you click on the link for AAJ, you will notice that the Home Page lists the AAJ as “Formerly the Association of Trial Lawyers of America (ATLA,) due to the insistence of many trial lawyers who are proud of ATLA’s name.
The campaign for tort reform has taken a thousand stories of the civil jury system, and twisted them like a pretzel to portray a civil liability system that is “out of control”, awarding “outrageous jury verdicts” to “questionable plaintiffs”. All of this, of course, reflects the main objective of the insurance industry’s campaign, which is to frighten people into believing that their liability insurance premiums – whether for automobile insurance, homeowners’ insurance, medical malpractice coverage, municipal liability, corporate liability or any kind of liability insurance offered in this country – are high because of a “lawsuit crisis”, caused by “greedy tort lawyers.” Why does the liability insurance industry want to do this? Why are they spending tens of millions of policyholders’ dollars to create public pressure to pass tort reform legislation wherever they can?
A simple one-word answer, and I know you’ve all heard it before: Money. You see, (here’s a link to a good book explaining this,) “tort reform” basically dismantles the civil jury system – the system that decides whether a person or company is liable for someone else’s injuries, and if so how much should be paid to compensate the victim of those injuries. What this “reform” does, is take away your legal rights to sue a defendant in court for your injuries, such as a car accident, a dog bite, or a slip and fall injury. And if “reform” passes? If you’re still lucky enough to be able to file a suit against someone who has injured you, the damages that you would have received earlier (before “reform”) would be capped, or limited to a maximum amount. And if that amount is not enough to compensate you for perhaps lifelong injuries you might have suffered, such as in a medical malpractice case or nursing home neglect or abuse case? Tough. You’d be out of legal options, out of luck, and out of money.