3 ms·
To be fair, in many places with universal coverage of health insurance, the owner doesn't know they won't get sued for medical expenses. The European countries
by vinay427 5y ago
To be fair, in many places with universal coverage of health insurance, the owner doesn't know they won't get sued for medical expenses. The European countries that have often been mentioned here (Germany, Switzerland, etc.) most often use a system of private insurers with deductibles and co-pays that patients must pay, although the minimum level of coverage tends to be far more protective than in the US. Medical expenses wouldn't cost tens of thousands (USD/EUR/CHF/...) but would still cost hundreds or somewhere north of a thousand in a place like Switzerland.
- jedberg 5y agoWell, they know the lawsuit would be quite limited. If an uninsured person in the US gets hurt, there could be nearly unlimited liability. Also, my understanding (although it could be wrong) is that insurance companies in the EU can't sue people to recover medical costs, so at worst you're on the hook for their deductible but you don't have to worry about the insurance company coming for the rest like you do in the USA.
- corty 5y agoIn Germany the accident or health insurance company can (and sometimes will) sue the owner of the playground for the cost of treatment, and the parents of the child can sue the owner of the playground for the copay and pain and suffering. So there is still liability of a similar amount, just the parties suing are somewhat different. There are just no punitive damages. That is why every playground will only buy certified safe devices or get an overall certification by a known certification body. That usually cuts the lawsuit risk down to negligent maintenance. Also, there is liability insurance which everyone in their right minds has (of course you need to check if running a playground is covered).