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All that might change if you benefit from public liability [[insurance]]. Suddenly ''yours'' isn’t the pocket helicopter dad is going after. It is worth a claim. To be sure, inevitably the insurer will contrive to refuse the claim, as long as commercially plausible — that’s the business model for many of them — but in the mean time will put up premiums, citing actuarial data, because of its assessed dereliction of obligation of the insured. Your own membership for the ECBACO might only go up a fiver, but in the mean time the insurance company is ''creaming it''. | All that might change if you benefit from public liability [[insurance]]. Suddenly ''yours'' isn’t the pocket helicopter dad is going after. It is worth a claim. To be sure, inevitably the insurer will contrive to refuse the claim, as long as commercially plausible — that’s the business model for many of them — but in the mean time will put up premiums, citing actuarial data, because of its assessed dereliction of obligation of the insured. Your own membership for the ECBACO might only go up a fiver, but in the mean time the insurance company is ''creaming it''. | ||
So, yes: public liability insurance encourages shitty behaviour from everyone concerned: ''You'' are disincentivised from taking suitable care because — hey, you’re insured, right? — ''Helicopter Dad'' is encouraged to [[Noli mentula esse|be a dick]] and make a claim, since it’s not thou well-intentioned volunteer coach he’s going after a faceless corporate | So, yes: public liability insurance encourages shitty behaviour from everyone concerned: ''You'' are disincentivised from taking suitable care because — hey, you’re insured, right? — ''Helicopter Dad'' is encouraged to [[Noli mentula esse|be a dick]] and make a claim, since it’s not thou well-intentioned volunteer coach he’s going after but a faceless corporate insurer, and faceless corporate insurer, being little more than a faceless corporate mode of extortion, will tell Helicopter Dad where to get off ''and'' gouge the poor old cricket association by jacking up its premiums on account of its transparently negligent membership. | ||
{{sa}} | {{sa}} | ||
*{{br|Antifragile: Things that Gain from Disorder}} by the perennially entertaining {{author|Nassim Nicholas Taleb}} | *{{br|Antifragile: Things that Gain from Disorder}} by the perennially entertaining {{author|Nassim Nicholas Taleb}} | ||
{{ref}} | {{ref}} | ||