Insurance chiefs promise Donohoe that premium costs will fall

by Charlie Weston for independent.ie

January 04 2022

Insurance companies have promised the finance minister that they will pass on savings to consumers from reforms in the sector.

Finance Minister Paschal Donohoe said he had met with the chief executives of major insurers here and they are committed to lowering premiums.

This is in response to a cut, agreed by judges, in recommended pay-outs for personal injuries claims.

It comes at a time when premiums here for consumers, businesses, community groups and charities continue to be among the highest in Europe.

Many firms are unable to get cover or have to pay inflated premiums as a number of insurers will no longer quote for liability insurance cover.

Some businesses said they have been forced to close because they could not find affordable cover.

Mr Donohoe said in a recent Dáil reply that insurance companies are now looking at providing cover in under-served sectors in light of the recent reforms.

But insurance reform campaigners have responded with scepticism to the minister’s comments.

Peter Boland of the Alliance for Insurance Reform said: “Left to their own devices, it is unlikely that insurers will reduce insurance premiums this year for the sectors worst hit by the current crisis.”

He said there is not enough competition in the market to compel them to do so.

“It will take a massive effort from Government, in terms of attracting additional capacity into the market, while putting significant pressure on incumbent insurers to share the benefits of the reforms implemented so far, to get any benefits for the voluntary groups and SMEs really struggling right now.”

Last year the judges in the State agreed to new personal injury guidelines which reduced the amount of money judges could award for minor claims such as whiplash or soft tissue damage.

However, the guidelines are set to be tested later this year after a number of challenges were lodged in the High Court.

Figures released by the State’s Personal Injuries Assessment Board last year showed that pay-outs had fallen sharply after the new rules were introduced, but there has been little change in premiums.

Minister Donohoe said in response to a Dáil question from a number of backbench Fianna Fail TDs that insurance companies had promised him they would pass on savings to customers.

“In recent weeks, as part of this work I met with the CEOs of the major insurance providers in Ireland. They have confirmed that they are committed to passing on savings from the guidelines, and other reforms, to customers,” he said.

He also said they “reiterated” their support for the reform agenda and that they are adhering to the guidelines in direct settlements with their clients.

Mr Donohoe said that he also made clear to the companies the need to expand their “risk appetite” for sectors that are experiencing issues with availability and affordability of cover.

High-risk businesses in the leisure sector are finding it particularly difficult to get affordable insurance cover, forcing some to close down.

He said some insurers had indicated to him that they were “actively considering” growing their business in certain areas.

The finance minister also hinted that a new player may enter the market this year.

“Separately, I also recently met with a leading international insurance brokerage firm, and discussed both the question of supply and the Irish market in general,” he said.

The finance minister said the Government would continue to implement the action plan for the sector to bring more choice to the market.

https://www.independent.ie/business/personal-finance/insurance/insurance-chiefs-promise-donohoe-that-premium-costs-will-fall-41208720.html

Am I liable if my trees fall on a road?

Can I be sued if they damage a vehicle or person? And if I decide to cut them down, do I need a licence?

by Deirdre Flynn for independent.ie

September 29 2020

Dear Deirdre,

I’m a small beef farmer in the midlands and I have an outfarm that’s about 10km from my main farm, so I’m not there that often.

There’s not much land in it, only about 20 acres as I’ve sold a few sites over the years. The land has lovely old trees behind a stone wall and is quite close to the local town, which made it quite popular with people looking to build.

In total there’s around 15 houses on the road, not all on my land, but within about a four-mile stretch, so it’s become fairly busy with traffic.

The trees are now becoming a bit of a problem and over the past number of years some of them have fallen on the road. Storm Ellen the other week brought down a couple of the trees, and one fell onto the road and I’m worried about something worse happening with the rest of them.

Can I just get someone to cut them down? They’re quite big and old but not near enough any of the houses that if they fell they’d land on them.

I’m more concerned about my liability and if they fall on the road. Am I liable to be sued if they fell and did damage to a passing car or person?

And, do I have to apply for a licence to cut them down, as they are on my land?

The issue of trees and overhanging branches is unfortunately a common one, particularly during storms.

There are few issues arising in your query but we will deal with your biggest concern first: liability.

If one of the trees on your land were to fall and either cause damage to property or a person, then the rules of negligence would apply.

This means that in determining whether or not you would be liable, the courts would adopt the approach of reasonableness – what would a reasonable, prudent landowner have done or be expected to have known and done about the dangerous trees that have fallen?

You say the land is quite close to a local town and built-up area, the road is busy with traffic and the trees are “old”; so in this instance, the law requires that you exercise greater degree of care in checking the trees for defects.

Accordingly, you should check the trees and have a system of regularly checking them for any defects. If in doubt about their condition, engage an expert to advise you.

If you fail to exercise this degree of reasonable care, and damages result from your failure, then you could be sued.

A plaintiff (person taking the case) would have to prove that you should have been aware of the dangerous condition of the tree and would have been, had you carried out reasonable inspections.

You would need to show that you exercised the degree of care that would be reasonable and prudent in the circumstances by satisfying yourself that the tree was not a danger.

As the trees are beside the road, you should also be aware of overhanging branches that may interfere with cyclists and walkers or any nearby electricity wires, or obstruct the view of drivers.

If the trees obstruct views of road users or interfere with power lines, the local authority or the ESB may serve you with a notice directing you to cut them back and if you fail to do so, they may do it and charge you.

You should also be mindful of loose branches of these trees that may fall on someone. If tree branches are overhanging or loose, then you may need to cut them back, but you should get an expert to do so – do not cut them back yourself.

The reason for this is firstly, you may need a licence and secondly, if you interfere with the trees and they subsequently fall or cause damage, then you could be held responsible.

With regard to licences, the Forestry Act 2014 sets out the requirements for tree felling licences but also provides a list of trees that can be felled without a licence.

For example, you may fell a tree in an urban area (within a certain definition), but not if it is over 150 years old or within a landscape conservation area.

The Felling section of the Department of Agriculture website provides further details on the list of exemptions and you should consult this and/or the Department prior to taking any action.

Before you cut/fell the trees, you may also need to check if the tree is subject to a Tree Preservation Order. Certain trees may add character to a town, and you say these are located behind a stone wall close to the local town, so you would need to check this out.

If the trees on your land are falling onto the road, then you should act quickly to have them checked to protect your position.

Deirdre Flynn is from a farming background and practices as a solicitor at Deirdre Flynn Solicitors, 4 Ivy Terrace, Tralee, Co Kerry

The information in this article is intended as a general guide only. While every care is taken to ensure accuracy of information provided, Deirdre Flynn does not accept responsibility for errors or omissions howsoever arising. You should seek legal advice in relation to your particular circumstances at the earliest possible time.

https://www.independent.ie/business/farming/legal-advice/am-i-liable-if-my-trees-fall-on-a-road-39569712.html

Man left blind and unable to walk settles case against hospital for €25m

A man who ended up blind and unable to walk after he went to Cork University Hospital with a brain shunt problem as a teenager has settled a High Court action for €25 million.

Conor McCormack’s counsel told the High Court that nothing was done in the hospital for three weeks and, as a result, the teenager suffered a devastating brain injury that left him blind.

Liam Reidy SC, instructed by Ernest Cantillon solicitors, said Mr McCormack’s mother, Sandra McCormack, was “dancing up and down” looking for help.

Ms McCormack told Mr Justice Paul Coffey how her pleas for help in the hospital went unanswered after her son, who had a brain shunt, was brought to Cork University Hospital after collapsing at his home in Douglas, Co Cork, in October 2014.

“Our lives were shattered after the events of 2014. Conor was in so much pain and it was so devastating to watch him lose his sight, hearing and mobility,” she said.

The award is bittersweet, but it will allow the family to give Mr McCormack, now aged 23, the life he deserves, she told the judge.

“He has experienced so much pain and loss in his young life, but he just accepts it… We are in awe of him,” she said.

Mr Reidy told the court that the problem with the brain shunt remained undiagnosed and a diagnosis of abdominal issues was made. The McCormacks had been told of the warning signs and symptoms in relation to shunt blockage when their son had to have a shunt inserted in his skull when he was one year old, he said.

Mr Reidy said his treatment in the hospital was “nothing short of appalling.”

Counsel said Mr McCormack remained without consultant cover for three weeks despite the pleas of his mother.

Seizure
He said the HSE had, in November this year, in a limited admission accepted the management of Mr McCormack when he was admitted to the hospital in 2014 fell below the acceptable standards of care.

Mr McCormack, of Frankfield, Douglas, Cork, had through his mother Sandra McCormack sued the HSE over the care and treatment he received at Cork University Hospital.

On October 7th, 2014, Mr McCormack had a seizure at home and was admitted to Cork University Hospital. A CT scan showed the shunt tubing had disconnected and did not extend through the skull.

Among the claims was an alleged failure to act promptly to warning signs and symptoms of intracranial pressure, while an alleged failure to carry out surgery to correct the shunt caused over and above brain damage in the form of cortical blindness consistent with an acquired brain injury.

The standard of care he received from the HSE in Cork University Hospital at that time fell below the acceptable standard and he sustained irreversible over and above damage, it was alleged.

There was also an alleged failure for three weeks to appreciate that a constellation of symptoms including rising blood pressure, increasing headache, drowsiness and seizure-like episodes were consistent with raised intracranial pressure due to shunt failure, it was claimed.

Approving the settlement Mr Justice Paul Coffey conveyed his best wishes to Mr McCormack “and his remarkable parents.”

https://www.irishtimes.com/news/crime-and-law/courts/high-court/man-left-blind-and-unable-to-walk-settles-case-against-hospital-for-25m-1.4739750