A clear-cut business decision is made not to delead and to insure against the risk of a child being poisoned. After all, it is the wiser business decision with the cost of deleading so exorbitant. City accidents' are a distinct breed of accident claim. Insurers defend inner-city tort claims as fraud claims. These claims must be fraudulent because the victim does not have a job or he has a criminal record or even worse he is of Haitian heritage.
Case value is based solely on creed, class and prejudice.
An a result thereof, these cases, by necessity, are evaluated and adjusted in a different fashion than other claims. After all, it is these cheating and malingering, people that have driven up their insurance costs. The insurance propaganda machine will not permit us to think otherwise. Unlike other injury claims involving mistakes by innocent people, these torts rise to the level of intentional negligence. Liability coverage provides the landlord with a shield of invincibility and permits a cavalier approach to be undertaken as to maintenance.