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Our family is in the commercial insurance business and has also owned several businesses.
It never ceases to amaze me that some think insurance comes from heaven to fix all that is bad.
Insurance costs money.
There is no free lunch here.
Here is how it normally works,
Your rates get jacked way up for about 3 years until the payout is paid off then your rate will go down to a bit higher than the original policy.
Once again there is no free lunch here.
Good question would be. "Does Portlands inaction constitute willful negligence"
I do not know the answer and most people here lack the training to know what would win in a courtroom.
Conservatives want Portland to lose. Liberals want them to win.
What we lack would be the full information, they'd have to see what the city was saying via internal memos etc. it could go either way.
If they can show the city willfully stood down for political reasons then they'd probably win.
Otherwise, the city can just say that they were trying to handle a chaotic situation and hard decisions were made and they were trying to minimize loss of life etc.
I think it's unlikely they'd win mainly because a jury is already going to lean towards siding with the city and not some fancy rich peoples purse maker types.
I cannot tell you how many cases over the years I've seen that have gone against all law and common sense because the jury is just sending a message to big corps, insurance companies etc.
Our family is in the commercial insurance business and has also owned several businesses.
It never ceases to amaze me that some think insurance comes from heaven to fix all that is bad.
Insurance costs money.
There is no free lunch here.
Here is how it normally works,
Your rates get jacked way up for about 3 years until the payout is paid off then your rate will go down to a bit higher than the original policy.
Once again there is no free lunch here.
LV is a global company with hundreds of locations. Their insurance losses are socialized throughout their chain. To "jack up their rates" would be like increasing the healthcare insurance for Ford Motor Company because one employee needed an expensive operation.
Where does the money used to pay law enforcement come from? The Taxpayers (both commercial and individuals) alike. The city of Portland allowed the animals to have their way and destroy, loot, and burn at will. They instructed their police to stand down. Damn right the company should not pay those taxes and fight it bitterly in the court system.
This about sums it up.
Things always manage to change when lawsuit payouts and or not bringing in revenue occurs. I used to hate lawyers, but they are good at that kind of stuff.
Our family is in the commercial insurance business and has also owned several businesses.
It never ceases to amaze me that some think insurance comes from heaven to fix all that is bad.
Insurance costs money.
There is no free lunch here.
Here is how it normally works,
Your rates get jacked way up for about 3 years until the payout is paid off then your rate will go down to a bit higher than the original policy.
Once again there is no free lunch here.
My auto insurance was jacked way up after my wreck. A woman ran a stop sign and smashed into my car. When I finally got another vehicle they were charging me as much or more for liability than I was paying for full coverage of the other much newer car. I got a quote in the mail from state farm for a lot less, so I changed insurance companies. Even if you are not in any way at fault, the insurance company will jack up your rates.
My auto insurance was jacked way up after my wreck. A woman ran a stop sign and smashed into my car. When I finally got another vehicle they were charging me as much or more for liability than I was paying for full coverage of the other much newer car. I got a quote in the mail from state farm for a lot less, so I changed insurance companies. Even if you are not in any way at fault, the insurance company will jack up your rates.
My last insurance company wouldn't pay for damages to my car.
I come out to go to work and the driver's side of the car has several nasty deep scratch across the whole length of the door. I don't know how they got there.
I'm still baffled by it, it someone must have side swiped me somehow, I don't know.
Insurance wouldn't pay for it because it didn't "makes sense" to them.
I told them while I was dumping them that if you just would have paid it out, I would have stayed with you and you would have made your money back. I said stupid short term quarterly profit thinking I guess.
Been with the new company a few yrs now, and the other one would have earned their money back and some customer loyalty, oh well.
Can I sue the city for a flat tire and rim damage due to an unrepaired pothole?
In my mind, the difference is that recent decisions by city leadership amount to willful indifference that actually encourages criminal behavior. There will always be crime and potholes. Nobody expects the city government to be 100% perfect, but Portland city leadership has gone way to far to the other end of the spectrum. They're practically inviting ****bags to ransack stores.
People love to talk about taking qualified immunity away from police officers. Before going there, we should start with city leadership and hold them accountable for egregiously irresponsible policies. I'd bet if the mayor and city council knew they would be held personally responsible for their breathtakingly idiotic decisions, they may have a change of tune.
Won't win - will lose.
The government always gets its cut.
There is no compact / agreement where your taxes guarantee some level of service. That's the nature of the indirect democracy in power.
In fact, once you consent to be governed, you owe a duty to support and defend the government with your life, your fortune and your "sacred honor". (Yes, it's from the Declaration)
There's no guarantee that whoever is in authority will do their job with any level of competence.
Of course, in the "old days" (before 1820s) to be a citizen / elector one had to be a _property owner _tax payer _militia man _and held to a higher standard of behavior. That tended to thin the ranks of citizens as well as potential public servants. You can see how it would be unlikely for such a subset to elect bribe taking socialist buffoons into power.
Unfortunately, the wisdom of the Founding generation died with them. By the 1820s, all states eased the requirements and opened up the ballot to practically any warm body... preferably fed free beer. That's how democrazy overshadowed the republican form of government.
My last insurance company wouldn't pay for damages to my car.
I come out to go to work and the driver's side of the car has several nasty deep scratch across the whole length of the door. I don't know how they got there.
I'm still baffled by it, it someone must have side swiped me somehow, I don't know.
Insurance wouldn't pay for it because it didn't "makes sense" to them.
I told them while I was dumping them that if you just would have paid it out, I would have stayed with you and you would have made your money back. I said stupid short term quarterly profit thinking I guess.
Been with the new company a few yrs now, and the other one would have earned their money back and some customer loyalty, oh well.
I was not able to get the car fixed or even get medical treatment. The car place closed because of covid. I had just got my diagnosis from the injuries and was scheduled for treatment. That was cancelled because of covid too. There was a huge backlog by the time they opened back up and the insurance was no longer approving the treatment that I needed. They said that too much time had passed between the wreck and now. So, I get to live the rest of my life with a very painful neck and shoulder injury. I couldn't even get a referral for a pain clinic because I was treated like a drug junkie even though I have rarely used pain meds in the past and have no history of addiction.
The woman who hit me wasn't injured anywhere near as bad as I was but she was given Percocet and taken care of. I was the victim of the car wreck and I was treated like garbage while she was taken care of.
What recourse does the city have in this case? If it were a homeowner withholding their taxes, the city would most likely place a lien on the property and eventually seize it and sell it at auction. But businesses usually lease their properties. Does that give the business the upper hand here? I certainly hope so! All the businesses should withhold their taxes.
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