The Limits of Aviation Liability - I Am With AIG On This One
I'm sorry to defy expectations and side with the insurance company on this one, but I really really have to.
There is a piece in today's New York Times on the "woes" of passengers of US Airways Flight 1549. Flight 1549 was the jet that landed in the Hudson River just after taking off from New York's LaGuardia Airport last January. I have just read this article and have to tell someone how annoyed I am.
The article in question tells the story of a handful of passengers who have made claims against US Airways and have run into trouble getting what they want from the airline's insurer. You can read the article here:
A.I.G. Balks at Claims From Jet Ditching in Hudson
Let me first say this: I fully sympathize with all of the 155 passengers that were saved off Flight 1549. I am certain they were traumatized by the ordeal and will take the awful memories of that day with them to their grave.
But . . . they were saved. SAVED. By the US Airways crew. From certain death.
The New York Times article rubs me all the wrong ways. Take this excerpt for instance:
"When a homeowner has a burglary or a driver has a crash, all it normally takes is a call to the insurance company and a description of the loss to activate the policy. But aviation liability insurance is different. It is activated by a finding of negligence on the part of an airline. If there is no negligence, then arguably there is no liability, and no obligation to pay claims. "
Huh?! I'd like to know where the homeowner or auto insurance company is that steps right up to the pay plate as soon as they get a phone call reporting a loss. That is not how it works. Aviation insurance is different? Noooo . . . all insurance is pretty much the same. They get a report of a loss and they investigate. They investigate all sorts of things. It takes time. It takes money. It takes time. Oh, I said that.
I'm not one to defend insurers. I know they delay, draw out, and deflect. But there is not one shred of evidence adduced or even alluded to in this piece that the airline did anything wrong. Instead there is an unstated assumption that if a person is hurt (or their stuff is damaged/lost) while on a plane that crashes they should automatically get compensated. I disagree fundamentally.
Our legal system is not a welfare state. Nor is it a lottery. It is founded on principles of fairness and equity. Do we want people who suffer losses in a crash to be compensated? Yes, if it is fair and equitable. Forcing an airline who arguably met their duty to care for passengers to pay for events beyond everyone's control - is that fair or equitable? No - that's extortion.
Now, perhaps evidence will come to light that the airline did something wrong and does bear some fault for the crash. I am not privy to the intimate details of the incident. But I object to the unstated assumption present in this article that damaged people always deserve compensation. No, no and no! That is wrong on so many levels.
Listen to what one of the passengers has to say about why she deserves compensation:
“Why should we be paying out of pocket?” she said. “That’s why they’re there. They’re the insurer.”
Actually no. A casualty/liability insurer is there to pay losses for which their policyholder is legally liable. They are not there as the payor of last resort (or first resort). They are not your health insurer. They ain't your daddy. Why should you be paying out of pocket? I dunno - maybe because they are your bills?
I'm sorry and I maybe I shouldn't be sarcastic - but the entitlement mentality galls me. Hey - listen, life is hard. It is full of accidents, small and gigantic. Sometimes we get hurt. We all feel bad when someone gets hurt. If someone hurt you and they are to blame - by all means they should compensate you. But the mere fact that you got hurt doesn't entitle you to compensation. Where is the gratitude that you are still alive and that it wasn't worse?
Anyway - read the article for yourself and reach your own conclusions. Maybe I just got up on the wrong side of the bed today.
Attorney Peter Pearson is an Atlanta personal injury attorney who has extensive experience representing injury victims in soft tissue/connective tissue injury, Bulging/Ruptured/Herniated Disc/Pinched Nerve injury, and Broken Bone and Fracture injury cases. Attorney Pearson offers a free initial consultation to all prospective clients. Contact him by using this Contact Form or calling his Atlanta personal injury law firm at (404) 292-5225.

