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Is it the Government’s job to protect us from everything?

By johnboy - 5 August 2009 24

The ABC is carrying calls by the ACT public advocate for the ACT Government to take responsibility for all the slings and arrows of outrageous fortune:

    ACT Public Advocate Anita Phillips has called for the Territory Government to introduce a no-fault insurance scheme.

    No-fault insurance provides medical treatment for people who have been seriously injured in accidents.

    Ms Phillips says at the moment injured people often have to resort to lengthy and costly court battles.

Your thoughts?

What’s Your opinion?


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24 Responses to
Is it the Government’s job to protect us from everything?
Granny 5:24 pm 05 Aug 09

monomania said :

The world is what we make it. Those making the world have lots of better stuff and intend to keep it.

I’m sure you do.

PM 5:19 pm 05 Aug 09

In answer to the question: no.

monomania 4:33 pm 05 Aug 09

johnboy said :

Yes well, stuff costs money, people with more money have better stuff.

Granny, meet the world.

The world is what we make it. Those making the world have lots of better stuff and intend to keep it.

astrojax 3:49 pm 05 Aug 09

only if served with a nice cold ginger beer, of course granny!

Granny 3:35 pm 05 Aug 09

In other words, let them eat cake.

johnboy 3:28 pm 05 Aug 09

Yes well, stuff costs money, people with more money have better stuff.

Granny, meet the world.

Granny 3:26 pm 05 Aug 09

johnboy said :

On the other hand, if these things worry you, you’re free to take out your own insurance.

That would require an income, surely?

Dante 2:32 pm 05 Aug 09

davo101: I’ve never heard of the NZ ACC but I like the merits of such an organisation/scheme scheme. This seriously reduces the need for public liability insurance in New Zealand?

dvaey: This wouldn’t cover my financial involvement in the scheme because I don’t own or register a car. Would this suggest I wouldn’t be covered by the scheme?

dvaey 1:50 pm 05 Aug 09

Deano said :

For a scheme like this to work, it would have to be compulsory just like the current third party scheme for motor vehicles. If it is going to be compulsory then it is essentially just another tax. It would be more effective just to increase taxes to adequately fund the schemes we already have in place.

I think it would make more sense to just include it in the registration cost. Seriously, who really cares that with registration cost, includes 50c road-rescue, $2 road-safety, $3 road-repair, etc etc taxes on top.

Maybe with the re-investigation of the CTPI scheme in Canberra, they can look at merging some of these fees and surcharges into registration costs. Fees and surcharges are simply a way of showing you have a flawed business plan to begin with, for example airlines who charge a ticket price, then add a ‘surcharge’ for fuel or airport costs, etc.. that should be included in upfront the ticket price.

peterh 1:32 pm 05 Aug 09

re your own D&D insurance, there are several companies around who provide the insurance as a part of your super – mine do, and I am in an industry fund. Total disability allows a person to be covered for the things that medical insurance doesn’t – in the event of an accident, medical insurance covers you for the medical component of the equation, but not the costs associated with income loss, bills, and ongoing requirements for a family. The other component offered as a part of your super is death cover, and it is there to assist your family in keeping the house, the car, and pay the bills per month. Additionally, it covers the basic costs for a funeral. (not the fancy casket, though, just the cheap cardboard or pine jobby) Keeping the two insurance types separate from the medical fund enables your claims to be processed quickly. if it was a part of the medical offering, then the medical bills would be paid, but the monthly bills might be delayed until the claim was substantiated.

davo101 1:12 pm 05 Aug 09

I think what she is referring to is something like the ACC in NZ (http://en.wikipedia.org/wiki/Accident_Compensation_Corporation).

What it means is that you can no longer sue shop owners, home-owners, the Government, etc. if you slip over at their place. You just get a payout from the insurance scheme. Lawyers hate the system because it cuts them out of the deal. It also explains why NZ can have bungee jumping, white-water rafting, crocodile wrestling et al–because businesses don’t have to carry massive public liability insurance policies.

orangegirl 12:39 pm 05 Aug 09

Is the public advocate suggesting we get rid of the current scheme, or just have no-fault payments for medical treatment?

I’d be interested to know more.

johnboy, not everyone has sufficient means to take out their own insurance.

Deano 11:36 am 05 Aug 09

Isn’t that what Medicare and Disability Pensions are for? Show me anyone who hasn’t received adequate medical treatment after a serious accident.

Under the proposed insurance scheme, only those who suffer an accident would benefit – people who just got sick would be left out in the cold.

For a scheme like this to work, it would have to be compulsory just like the current third party scheme for motor vehicles. If it is going to be compulsory then it is essentially just another tax. It would be more effective just to increase taxes to adequately fund the schemes we already have in place.

johnboy 11:24 am 05 Aug 09

On the other hand, if these things worry you, you’re free to take out your own insurance.

Granny 10:11 am 05 Aug 09

Who has never made a mistake when driving? This is about you and me and our loved ones and the man at the fish and chip shop down the road.

It’s hard enough to get over the shock of something like that happening unexpectedly, without the day to day struggle of having to fight to get the equipment and services they will need for the rest of their lives.

If they do get something through the courts, half of the money meant to help them goes straight to well-off lawyers. If they were even slightly at fault, they get nothing, which can ruin a family as well as an individual.

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