3/3/11

Asbestos Insurance Claims

The use of asbestos was banned three decades ago, but in the insurance industry is now facing a time bomb on the claims of persons who directly or indirectly exposed to the deadly substance.

Asbestos was once hailed as a miracle product, but its use is, we propose a terrible price for those who are exposed to it. Diseases caused by ingestion in the lungs such as asbestosis and mesothelioma can take more than forty years it has become clear, and the actual cost of substance abuse claims for damages, is just beginning to happen.

Asbestos has been used by people since ancient Greece for its flame retardant properties, but even then it was recorded that the slaves suffered he was dying of a terrible lung disease and difficulty breathing.

In the twentieth century, asbestos was used in all types of construction methods and workmanship. In all public buildings, is that pipes and boilers covered with the material. Shipbuilding and shipbuilding were particularly widespread in its use and it was not uncommon to see regular old behind and throwing workers pipes called "base of oysters. Offices were also exposed to asbestos for use in partitions and suspended ceilings. The house, was used in all kinds of forms, ranging from the ironing board to the car brake pads and linings covered roof.

By far the most deadly variety of asbestos "blue asbestos," which only one strand in the lungs can cause fatal diseases in recent years.

The first step in asbestos-related claims in work appeared in 1960 and has grown considerably since then. The use of the material was discontinued in the UK H & SE (Health and Safety Executive) in 1970, but was finally banned in 1980. During that time, many companies found mainly to remove the asbestos materials in public buildings such as hospitals and schools. By 2003 it is estimated that the number of asbestosis claims direct share of profit of over 1.3 billion pounds in Britain.

There are four recognized types of asbestosis, mesothelioma-related diseases of lung cancer usually kills wild in the year through so-called "pleural plaques" for legislation in the UK currently do not allow claims even if this parameter is set and the change could generate billions of pounds worth of claims.

Pleural plaques are areas of scar tissue in the lungs caused by exposure to asbestos.

Although not directly on the claims that the cause and the results can not be proven, the UK insurance companies to pay small amounts to compensate for the anguish of the possibility of development boards into something more serious diseases such as mesothelioma. In 2007, the House of Lords held that these conditions are no longer entitled to compensation even if he is being questioned by the Scottish courts and others and should be canceled.

United States is about 20 years ahead of the claims of the United Kingdom related to asbestos over three-quarters of a million that was paid since 1980. The vast majority of these claims were for pleural plaques and the cost to date is estimated at about 120 billion dollars paid by U.S. insurers and foreign.

In the UK, it is not so easy to make a claim for asbestosis as it is in the U.S., where a class action against asbestos manufacturers can follow a multitude of companies that each pay a small amount of damage. In the UK, even though more people could die of exposure, causation and proximate cause of the need to be proven before action is taken.

What is worrying for the insurance company claims departments, is that the magnitude and prevalence of claims for asbestosis has changed dramatically in recent years, actual costs are incurred. In the past, most requests came from latecomers and those who are directly involved in the use of asbestos, mainly in the industrial countries.

Applications are now being made from across the UK from, for example carpenters, plumbers, teachers and family members of those who worked with asbestos, such as women wash clothes and children attending their fathers after work.

According to the Health and Safety Executive, the body responsible for environmental work in the UK are still over half a million tonnes of blue and brown asbestos deaths and nearly 3 million tonnes of white asbestos in buildings around the United Kingdom. Each year, more than 2,500 people die from mesothelioma.

Although demand for mesothelioma will peak before 2012 are directly exposed are all dead, it's time bomb for all applications of asbestos should be continued until the 2040th At this point, more than 200000 Requests have been made, which will cost the insurance industry in the United Kingdom in the region of 10 billion pounds, insurers must allocate claims reserves.

2 comments:

  1. More cases need to be getting wide media coverage! I think awareness is just starting to build. People are starting to be held responsible. In Italy, two have been convicted for asbestos related negligence! http://bit.ly/AsbestosItalyBlog

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  2. Asbestos is a common chemical used in shingles. It used to be a cheap material to use for that. You can read more here: http://awe.sm/5hIjj Also can find authoritative and factual information on the topic of asbestos and mesothelioma. We can also offer further help to fight for compensation you deserve.

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