Should Consumers Be Able to Sue Insurers For Unfair Claim Practices?

Commercial litigation in the 21st century is fraughtdecision he stated the wrongful death and negligent
with peril. Made increasingly complex and high-risk byclaims, no matter if proved, were insufficient.
a borderless world economy, businesses can beCourts routinely find "good faith - bad faith" legal
brought before almost any court at any time;arguments to be a yardstick designed to exonerate
although in an increasingly corporate-friendly Uniteda company from bearing any responsibility in even
States, the outcome against many accusedthe most grotesque and blatant instances; insurers
corporations is not likely to be consumer-friendly, atypically seek to compound this injustice, if one
few sensationalized cases notwithstanding. Since theexists, by reiterating such arguments.
early Reagan years, rights for individuals have oftenIn Connecticut, trial lawyers are lobbying for legislation
been abridged or eliminated in the arena of the U.S.that would make it easier for consumers rather than
court system, while safeguards for companies,insurers in such cases. In that New England state,
especially the largest in operation, are more likely toonly the insurance commissioner and attorney general
be upheld. While class action and multi-district litigationare able to bring an action under CUIPA - the
cases are at an all-time high, only a select few areConnecticut Unfair Insurance Practices Act. Robert I.
actually settled before juries.Reardon Jr., a New London-based attorney, perceives
All too often, courtroom outcomes seem stackedit this way. "Consumers are tired of big business
against the consumer. For instance, a Federal Judgetreating them poorly. People want to be able to
dismissed all claims for damages brought by victims inassert their rights."
the August 27, 2006, Comair (Lexington, KY) planeThe insurance industry is anything but eager to let
crash, despite evidence to the contrary; in histhat happen.