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<DIV>Wim, perhaps the answer lies in the newly revised old joke,"What do =
you
call 1000 lobbyists at the bottom of the ocean?" "A good start." =
But
please don't take this too seriously or too far as we can't solve this =
in this
forum. Better days.</DIV>
<DIV>Chris Solliday</DIV>
<BLOCKQUOTE dir=ltr
style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; =
BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: =
black"><B>From:</B>
<A title=Wimblees@aol.com =
href="mailto:Wimblees@aol.com">Wimblees@aol.com</A>
</DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=caut@ptg.org
href="mailto:caut@ptg.org">caut@ptg.org</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Thursday, January 19, =
2006 2:37
PM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: [CAUT] disability
insurance</DIV>
<DIV><BR></DIV><FONT id=role_document face=Arial color=#000000 =
size=2>
<DIV>
<DIV>In a message dated 1/19/2006 12:58:49 PM Central Standard Time, =
<A
href="mailto:jim_busby@byu.edu">jim_busby@byu.edu</A> writes:</DIV>
<BLOCKQUOTE
style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: blue 2px =
solid"><FONT
style="BACKGROUND-COLOR: transparent" face=Arial color=#000000 =
size=2>My
understanding is that if you sign that waiver it isn't just for =
UM<BR>but
anywhere. The LDS Church lawyers looked at that option and =
decided<BR>no. I
think it's dumb that ambulance chasers have pushed it to this, =
but<BR>on the
other hand all I had to do was raise my price $4.00 per =
tuning<BR>and it
paid for the extra WC and the liability insurance. This is =
based<BR>on about
90 pianos tuned twice per year. $4.00 x 90 x 2 = $720.00. =
If<BR>you have
more tunings then it would be even less per piano.<BR><BR>When you =
look at
it that way (only $4 per tuning) it's not that big of<BR>deal. =
However, it
still irks me to no
end...<BR><BR>Regards,<BR>Jim<BR></FONT></BLOCKQUOTE></DIV>
<DIV></DIV>
<DIV>Jim</DIV>
<DIV> </DIV>
<DIV>Raising the price of a tuning by $4 just to cover an insurance =
premium is
not the end of it. If you're also going to have to raise your rate to =
cover
cost of other living expenses, gas expenses, etc., etc., somewhere =
along the
line the increase in your fee will put you too far above what the =
market will
bear. Pretty soon, customers are not going to call you, because they =
can get
someone else for cheaper. (There will be some who will pay your rate, =
but it
will cost you some business.) </DIV>
<DIV> </DIV>
<DIV>This is what is basically happening in the medical =
profession.
Doctors have to pay more for malpractice insurance than the =
health
insurance companies are compensating them. As a result, they can't =
afford to
stay in business. </DIV>
<DIV> </DIV>
<DIV>Insurance has become a racket. I don't know the answer, and I am =
not
advocating nationalizing the insurance industry, but unless some =
controls are
brought forth, this country will become insurance poor. </DIV>
<DIV> </DIV>
<DIV>Wim </DIV></BLOCKQUOTE></FONT></BODY></HTML>