Richard A. Wiebe's article (Editorial Pages, Jan. 6), "Apply Malpractice Reforms to Personal-Injury Justice," ruined my morning coffee.
Wiebe's premise appears to be that there is a "liability crisis" that is making all of the personal-injury lawyers in the world rich, and all of the insurance companies poor. While that premise is ridiculous, at least it is something that an insurance person could argue about by resorting to some statistical information, if in fact that kind of information exists at all. But instead of producing some kind of hard evidence to support his unsupportable premise, Wiebe resorts to the worse kind of mudslinging, sprinkled liberally with misrepresentations.
Wiebe's attack is as clever as it is vicious. First, there is a "crisis." Insurance companies who have more dough than the banks are being mugged by greedy accident victims who have the utter audacity to make claims when they have been injured through the negligence of others. This "crisis" has been going on for decades and decades, ever since some insurance company genius decided that huge profits could be made selling liability insurance. The concept was simple and still is: take in as many premium dollars as you can, and fight like hell against paying off the claims. If you lose some claims, why, raise the premiums! Better yet, defeat the claim and raise the premiums too. What a business!