First, injured adult parties have 3 years from the date of the incident, which causes injury, to bring an action for damages.
Under 18, the party has 2 years from the date they become 18.
And once lawsuits are begun, they can take years to wend their way through the court system.
And at the end of the day, it's the blood sucking attorneys who profit most.
So there are still lawsuits possible.
In fact isn't the Strickland case still alive?
Second, the premiums for renewal coverage increase, often for years, when there are a series of claims like this. And availability of renewal coverage can diminish based upon lawsuits of this nature.
So no, payer, the light is not shining at the end of the tunnel.
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