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Re: [AGA SC] Another perspective on the AGA "Forum" proposal
The medical problem with lawsuits and insurance is, I hope, very different
from AGA's. Docs ands hospitals/clinics are perceived as having very deep
pockets -- hopefully AGA is seen as only have a deep enough gravel base ot
hold the roots.
Monday I will get with my insurance folks and push them a little further. If
anyone else wants to pursue a different insurer that can't hurt.
David
----- Original Message -----
From: "Kathy Olson" <kathy@thekrib.com>
To: <aga-sc@thekrib.com>
Sent: Friday, April 09, 2004 8:29 PM
Subject: Re: [AGA SC] Another perspective on the AGA "Forum" proposal
>
> Hi
>
> This is interesting too, how much is enough.
>
> I know that I was always told, carry a mil umbrella on your personal
> house/property, this was back when I was a med student...they said yeah
> you are med student and up to your ears in debt but one day you will not
> be a med student. Then the main worry was car accident stuff.
>
> Now I am a doc, and the clinic carries malpractice insurance. My exposure
> is HUGE, way larger than the AGA, and they carry one million. Which is
> not a lot when you look at how cases are settled these days. Our clinic
> use to carry 2 mil but then when compared to other docs in the area,
> industry standard was 1 mil. So they felt like having a 2 mil limit just
> invited more lawsuits at a higher number.
>
> So the question is, "what is our exposure"-all we do is a magazine, email
> list, possible forum and a convention (of which the hotel is way bigger
> target than us)...but still yes I think we need insurance. I wouldn't
> let it be public knowledge that we have it either (the target issue), yes,
> I sound paranoid here.
>
> The thing is...the Novak think with Erik really stressed me out. We
> couldn't refinance our house jointly because Erik was named in a suit, so
> we had to quick claim deed it to me and I refinanced it in my name. It is
> why I didn't want to be on the AGA board, so if the board was ever sued
> one of us was lawsuit free to be able to do things like refinance. Yes,
> it sucks, but I have to live with this stuff regularly with work. There
> probably isn't a month, maybe even week that goes by that we/md's don't
> have something regarding it cross our desks. no we aren't sued that much,
> but there is just tons of info about it.
>
> I know this is way more than you wanted to hear, but there you go.
>
> Kathy
>
>
> On Fri, 9 Apr 2004, S. Hieber wrote:
>
> > One of the confounding elements on this issue is not what
> > is the cost for a given amount of protectio, but how much
> > is a reasonable amount of protecton to buy. . . .
> >
> > Probably only an actuary could make some reasonable
> > assessment of the amount of harm ($s) combined with the
> > probability of ocurrence to determine total risk against
> > which it's reasonable to protect.
> >
> > I'm sure I did not say that very well :-\
> >
> > sh
> > --- David Lass <davidlass@villasunscape.com> wrote:
> > > I'll have to call thge insurance guy Monday -- will do
> > > so.
> > > Take care,
> > > David
> > > ----- Original Message -----
> > > From: "Kathy Olson" <kathy@thekrib.com>
> > > To: <aga-sc@thekrib.com>
> > > Sent: Friday, April 09, 2004 9:46 AM
> > > Subject: Re: [AGA SC] Another perspective on the AGA
> > > "Forum" proposal
> > >
> > >
> > > >
> > > > David
> > > >
> > > > what were the quotes you last got on ins?
> > > >
> > > > On Fri, 9 Apr 2004, David Lass wrote:
> > > >
> > > > > The problem is that with a published magazine there
> > > is all sorts of law
> > > > > regarding libel and slander -- one is for spoken one
> > > is for written both
> > > are
> > > > > the same. With stuff on the web it is not so clear,
> > > and there is a
> > > building
> > > > > "tradition" that you can say anything you want in
> > > cyberspace.
> > > Unfortunately,
> > > > > this slams right into the American tradition of you
> > > can sue anyone for
> > > > > anything. The real problem is not the consequences of
> > > losing a
> > > lawsuit -- it
> > > > > is the costy of defending yourself. Insurance pays
> > > for this as well as
> > > if
> > > > > the idiot who sued you prevails.
> > > > > David
> > > > > ----- Original Message -----
> > > > > From: "S. Hieber" <shieber@yahoo.com>
> > > > > To: <aga-sc@thekrib.com>
> > > > > Sent: Friday, April 09, 2004 6:27 AM
> > > > > Subject: Re: [AGA SC] Another perspective on the AGA
> > > "Forum" proposal
> > > > >
> > > > >
> > > > > > This begs a question that Erik has already hinted
> > > at. We do
> > > > > > not have this fear of speech re TAG. Everything is
> > > > > > previewed and edited so tht we are comfortable with
> > > the
> > > > > > content. Is this how, if we did forums, we would
> > > have to do
> > > > > > them? Is this how we need to manage the member
> > > mail list?
> > > > > >
> > > > > > sh
> > > > > > --- Erik Olson <erik@thekrib.com> wrote:
> > > > > > > Agreed David!!! With all this talk, I'm worried
> > > that
> > > > > > > someone might just
> > > > > > > come by and sue us over something on our little
> > > e-mail
> > > > > > > list these days.
> > > > > > > Beleive me, Novak WOULD have if the AGA had
> > > gotten
> > > > > > > involved in the PSW
> > > > > > > case 3 years ago. It is quite fortunate, for
> > > instance,
> > > > > > > that I am
> > > > > > > officially not making any money off the video
> > > sales, but
> > > > > > > rather it is
> > > > > > > entirely going towards reimbursement for all the
> > > > > > > equipment I purchase...
> > > > > > > this is a point he tried to use against me in the
> > > > > > > lawsuit.
> > > > > > >
> > > > > >
> > > > > >
> > > > > > =====
> > > > > > - - - - - - - -
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> > > > > > Field Trip, workshops and more, Nov 12, 13 & 14;
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> > > > > > Details & Registration at www.aquatic-gardeners.org
> > > & www.gwapa.org
> > > > > >
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> >
> >
> > =====
> > - - - - - - - -
> > AGA 2004 Annual Convention
> > Designing The Nature Aquarium -- demonstrated by Takashi Amano
> > Paludarium design -- Mike Senske
> > Planted Aquarium Ecology -- Diana Walstad
> > Cryptocorynes -- Jan D. Bastmeijer
> > Field Trip, workshops and more, Nov 12, 13 & 14;
> > Marriott Crystal Gateway, Arlington, VA, USA
> > Details & Registration at www.aquatic-gardeners.org & www.gwapa.org
> >
> > __________________________________
> > Do you Yahoo!?
> > Yahoo! Small Business $15K Web Design Giveaway
> > http://promotions.yahoo.com/design_giveaway/
> > ------------------
> > To unsubscribe from this list, e-mail majordomo@thekrib.com
> > with "unsubscribe aga-sc" in the body of the message.
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> > When asked, log in as username is "aga-sc", and password "incorp".
> >
>
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>
>
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