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News - Disaster claims ‘less than $10bn’


Insurers have sought to calm fears that they face huge losses after an earthquake and tsunamis killed tens of thousands of people in southern Asia.

Munich Re and Swiss Re, the world’s two biggest reinsurers, have said exposure will be less than for other disasters.

Rebuilding costs are likely to be cheaper than in developed countries, and many of those affected will not have insurance, analysts said.

Swiss Re has said total claims are likely to be less than $10bn (5.17bn).

Swiss Re believes that the cost would be substantial but that it is unlikely to be in great west casualty insurance
billions, the Financial Times reported.

Munich Re, the world’s largest casualty insurance star company, said that its exposure is less than 100m euros (70m; $136m).

Trouble in paradise

At least 10 countries have been affected, with Sri Lanka, Indonesia, India and Thailand among the worst hit.

The region’s resorts and Western tourists are expected to be among the main claimants.



This is primarily a human tragedy.


Munich Re

Lloyds of London told the Financial Times it expected its exposure to be limited to “holiday resorts, personal accident, travel insurance and marine risks”.

A spokeswoman for Hanover Re, Europe’s carolina casualty company insurance
reinsurance firm, estimated fire marine casualty insurance
damage claims would be in the low double-digit millions of euros.

The company has paid out about 300 million euros (281m; $400m) to cover damage caused recently by four major hurricanes in the US.

More time

But insurers have not had long to assess the economic impact of the damage and reports of more casualties and destruction are still coming through.

TOP 3 MOST EXPENSIVE INSURANCE LOSSES
$21bn - 9/11 attacks on US, 2001

$20.9bn - Hurricane Andrew, 2002

$17.3 - Northridge Earthquake, 1994

Source: Swiss Re

Asian quake: chaos masks costs

“So many things are unclear, it is just too early to tell,” said Serge Troeber, deputy head of Swiss Re’s natural disasters department.

“You need very complicated processes to estimate damages. Unlike the hurricanes, you can’t just run a model.”

He anticipated that his own company’s total claims would be less then those from the hurricanes, which the company put at $640m.

Allianz, a leading German insurer, said it did not know yet what its exposure would be. However, it said the tidal waves were unlikely to have a “significant” impact on its business.

Zurich Financial said they could not yet assess the cost of the disaster.

Lighter load

The impact on US insurance companies is not expected to be heavy, analysts said.

COSTLY INSURED LOSSES: 2004
$11bn 2/9/04 Hurricane Ivan

$7bn 11/8/04 Hurricane Charley

$5bn 26/8/04 Hurricane Frances

$4bn 13/9/04 Hurricane Jeanne

$2.5bn 6/9/04 Typhoon Songda

Source: Swiss Re

Most US insurers have relatively little exposure to Asia and those that do, pass on a lot of the risk to reinsurance companies or special catastrophe funds.

Insured damage could be a fraction of the “billions of dollars worth of destruction in Sri Lanka, India, Thailand, Indonesia, the Maldive Islands and Malaysia,” said Prudential Equity Group insurance analyst Jay Gelb.

“US insurers are likely to have only minimal to no exposure. It’s more likely the Bermuda-based reinsurance companies might have some exposure,” said Paul Newsome, an insurance analyst at AG Edwards & Co.

Human tragedy

Many of the affected countries, such as Indonesia, Sri Lanka or the Maldives, do not usually buy insurance for these kinds of disasters, said a US-based insurance expert.

Early estimates from the World Bank put the amount of aid needed for the worst affected countries including Sri Lanka, India, Indonesia and Thailand, at about $5bn (2.6bn), similar to the cash offered to Central America after Hurricane Mitch.



Hundreds of thousands of livelihoods have gone


Jan Egeland, head of the UN Office for the Coordination of Humanitarian Affairs

Mitch killed about 10,000 people and caused damage of about $10bn in 1998.

But the cost of the tsunamis on the individuals involved is incalculable.

“We cannot fathom the cost of these poor societies and the nameless fishermen and fishing villages … that have just been wiped out. Hundreds of thousands of livelihoods have gone,” said Jan Egeland, head of the UN Office for the Coordination of Humanitarian Affairs.

Tourists cutting short their holidays in affected areas may suffer a financial impact too.

The Association of British insurers warned that travel insurance does not normally cover cutting short a holiday.

It said loss of possessions will usually be covered, but the Association stressed the importance of checking the wording of travel policies.

News - Cutting and running

Hit and run collisions have doubled. Why are so many drivers not stopping after an accident?

It’s no longer an occasional act of selfishness or panic. Hit-and-runs are now an everyday occurrence - in London alone 80 people are left injured on the roads each week.

In parts of the capital, one in four pedestrian injuries are now caused by hit and run collisions, with drivers failing to stop to see the damage they’ve left behind them.

The Mayor of London’s road safety ambassador, Jenny Jones, says that “London has become a city where many drivers expect to break the rules and get away with it”.

And a House of Commons Transport Select Committee report this week highlighted MPs’ growing concern about the problem.

While the overall number of road injuries is falling - the number of hit-and-runs is rising, particularly in London - causing serious grief to victims and their families.

‘Horrific’

“Any road death is sudden, violent and horrific,” says Maggie Garside of the Road Victims Trust, a campaign that supports people bereaved in traffic accidents.

Ambulance

Hit and run accidents can account for a quarter of casualties

“In a hit-and-run collision there is the added distress that someone has collided with the person and then left them… The image of how their loved one died is difficult enough, but to know that someone did not even stop to see if they could help them feels inhuman.”

So what’s causing such a change in behaviour - with hit and runs doubling in less than a decade? In London in the 1990s, hit-and-runs were 8% of accidents, now they’re 16% - with 25% in the borough of Hackney.

Giving evidence to the select committee, Chris Lines, head of the road safety unit for Transport for London, described the problem as an “epidemic”.

And the capital’s transport body points to a connection with another recurrent problem - the casualty companion insurance property large number of people driving without any insurance or tax.

Such illegal drivers, already operating outside of road regulations, are disproportionately much more likely to drive badly and be involved in collisions, says a TfL spokesman.

And as they’re already committing an offence by driving a car, they’re less likely to stop when they knock someone down.

It is a problem replicated across the country, as in the case of schoolboy Jack Anderson, 10, who died in Edinburgh in October, after being struck by a car that failed to stop.

Inner-city areas

According to the Association of British Insurers (ABI), there are about a million uninsured drivers on the road - farm family casualty insurance company
in inner-city areas, with the highest rates in Tottenham in north London and Southwark in south London.

Advert for police crackdown on illegal cars

A crackdown is under way in hit and run hotspots in London

These illegal drivers are 10 times more likely to drink drive, six times more likely to drive an unroadworthy car and three times more likely to be convicted of dangerous driving, says the ABI’s Malcolm Tarling.

And any of these factors - or drug-driving or fear of being detained for other offences - could make a driver more likely not to stop after an accident.

The police and TfL are mounting a joint campaign in north-east London to reduce the numbers of illegally driven cars - with the aim of reducing the number of hit-and-runs.

But the transport select committee also questioned whether a reliance on speed cameras rather than traffic policing is less effective in deterring crimes such as failing to stop.

Motoring outlaws

Tackling the hit-and-run problem is going to be difficult, says the AA Motoring Trust.

Speed cameras

MPs warned that technology should not replace traffic police

Because it means getting to grips with a hard core of “motoring outlaws” who california car casualty insurance
ignore regulations, says Andrew Howard, the AA’s head of road safety.

These drivers might be without any current driving licence, driving untaxed, uninsured vehicles - with the cars themselves no longer legally registered either.

The Casualty company insurance life
Police says that it’s keeping up the pressure on illegally driven cars - with seizures of uninsured vehicles and the use of technology, such as cameras that can read number plates and identify rogue vehicles.

But what about the victims of such hit-and-run accidents?

Cynthia Barlow of RoadPeace, a charity for road crash victims, says the law fails to acknowledge the consequences of road accidents.

“Where a death has occurred - somebody should be charged with causing a death. At the moment they’re not - the law decriminalises what’s happening… people are getting away with murder in a literal sense.

“It’s not making people accountable for their behaviour. If a person thinks they’re grown up enough to get in a car and drive - they should be responsible for what they do in it.

“We’re not going to make people safer on the road until we change that attitude and make them accountable for what they do.”



Add your comments on this story, using the form below.


Typical demonisation of drivers. Last time I was in London, the pedestrians (and cyclists) were like a flock of lemmings leaping in front of me and trying to get themselves run down, and that was in broad daylight. I shudder to think how bad it must be on a Friday night with drunken fools staggering into the road left, right and centre. I agree that whenever someone is injured in a road traffic accident that charges should be brought, but when appropriate they should be brought against the ‘victim’, not the driver.
Mark Saunders, Bath, England

In effect by not having a license, no MOT, insurance or tax, these people are breaking the law. Add to that they are driving illegally, if they are caught on the roads these ‘cowards’ should be put in jail. A high jail sentence as a deterrent is the only way forward. Giving out fines or community service is not hard enough. This is murder we are talking about, not an accident. All us law abiding drivers who pay out tax,MOT,service,insurance etc are being penalised. Time for the law to change.
steve jones, edinburgh - scotland

We are not in the Seminole casualty insurance company
Society’ - we are in the ‘If I can get away with it Society’ encouraged by the Legal Commerce. The way to reduce jail overcrowding is to increase sentences not to reduce them. The way to reduce offending is to reward socially responsible behaviour not to reward bad behaviour.
D Johnson, Stockport England

All drivers who leave the scene of accident, for whatever reason, where someone is injured or killed should face prison and a lifetime ban. Similar driving without insurance, no MOT, not qualified to drive etc; you should face at least a 5 year ban- minimum, repeat offender’s lifetime ban.
With this, offenders would need to think very hard!!
Its time to draw the line under this subject.

Robert, London

Time to change the system, folks: here in Belgium the Ministry of Transport issues the number plates and only does so once the car’s been insured. If the insurance lapses and the plate’s not returned, then the cops are sent to recover it and if they can’t, the owner goes on the wanted list. Similarly with the MOT, it’s at a Ministry Centre, not the local cash-under-the-counter place, and if it lapses, same thing, plates recovered etc etc.
Jel, Brussels

I’ve bought all my cars secondhand through dealers and have NEVER been asked to show any driving licence or proof of insurance.You can go to auctions pick up a tidy looking car for less than 100 with a months Tax on it drive off and not re-register it with no insurance or MOT. Records now are stored at the DVLA computer,but only if the information is given.Perhaps the way is to produce a CURRENT driving licence when you buy a car with an insurance document if you already have a car.If you do not have a car perhaps you need an initail insurance cover ONLY given by producing a valid drivivg licence,all of this can then be stored at DVLA.
John Berry, Bristol UK.

I have seen so many cars where I work in Tufnell Park, North London with no tax which are being driven by eastern europeans who have no regard for our law and seem to get away with it.
Karen Smagadou, London

The sad fact is that the police have no real deterrent to people who drive without insurance or tax. Despite the government’s headline claim of giving the police the power to seize vehicles, only a handful of officers in each force are allowed to do this. The people who drive illegally know the chances of having any meaningful penalty is virtually nill. If they are pulled over by the police, the most the average offcier can do is issue a penalty that they know will most likely be ignored by the driver, but there is nothing else they can do.
David R, Reading UK

The total shift on placing drivers responsible for what steps out in from of their cars is irresponsibel, and may be why drivers fail to stop when an incident occurs. I think pedistrains should also be educated to recognised the dangers of setpping out into the road, and take more personal responsibility for their well being. Currently the mindset is that if you are in involved in an accident it is automatically the drivers fault.
Ian, G, London, W1

It’s since they took all the traffic Police off the road and replaced them with cameras - the standard of driving these days is atrocious because they all know that as long as they don’t break any speed limits they can get away with anything, drink driving, drugs, road rage, pulling out in front of other drivers, murder, all without the slightest risk of getting caught - and that is just the ‘legal’, taxed, insured, etc drivers. The rest are just running riot with no one to stop them. Bring back the traffic cops!
Nick, Birmingham

A contributory factor to this is that the price of owning and running a car has risen out of all proportion, we being the Governments ‘Milch Cow’ of choice. You only have to look at the new, ludicrous, proposed levels of motoring taxation, all under the banner of halting climate change, to see this. Speed cameras are never going to deter illegal drivers as there is usually no way to trace them and certainly no way to bring them to book. A physical human presence is what’s required, that and the guarantee of prosecution.
Michael, Halifax U.K.

The whole tax and insurance thing is something that has been going on for years - the sooner the cost of these is added to fuel duty(one of the hardest to evade taxes)that would remove one of the reasons for not stopping. The checking of a cars maintenance MOT etc will surely be made easier by the increase in big broither surveillance - the number recognition software to read plates at the roadside should be further utilised. Many complain about the rise in surveillance but I for one would not object to it’s use in these circumstances. And for those caught - make the fines meaningful - if my insurance costs 1000 a year and I get a fine of 200 after driving round without any for 6 months - who’s the mug??
Liam, Coventry

A visible insurance disk, like the tax disk should be displayed at all times, the police have the technology to see tax disks so it should be easy to modify the system to read Insurance disks as well. This would help to combat all types of drive-off accidents and help to identify uninsured drivers.
Mike Foster, Exeter UK

It’s a very simple answer - speed cameras. With so many cameras and a consequent drop in the number of traffic police, drivers know that unless there is a camera on them at that particular moment, they can most likely get away with it. The trend towards cameras since 1994 has made out roads a much more dangerous place, as the official line has been purely based on the danger of speeding, with no thought for the people that drive dangerously, but within the speed limits where they know the cameras to be. Yet another government own goal.
Steve Johlson, UK

During a rainstorm last year I crashed on my bicycle after hitting a hidden pothole. Bike and I went sprawling all over the road. While I lay there (carefully checking if i’d broken anything before getting up) 6 cars drove by (it’s not a very busy road) before someone thought to stop to check if I was alright. I suspect that there was a strong element of “a person lying on the road next to a bike is somebody elses problem”, but I would really like to know what those 6 drivers thought. Were they too scared to stop? Did they not care? Now I know that this seems a bit off the topic of the article, but I would argue that there is a general malaise among motorists - why else would you drive by a person lying on the road next to a bicycle?
C., Southampton

Despite the increase of punitive measures, such as fines for driving without insurance/tax, and for driving whilst using a mobile phone, the reality is that motorists are increasingly aware that they can get away with these infringments due to the lack of police on the steet. With the increasing reliance on cameras to catch speeding motorists, thsoe driving without insurance, etc, the number of visible police has fallen - for example, when did you last see a traffic cop as you were driving along. Whatever the arguments for and against using camersas to police our roads, they are of no use where a car is unregistered - and without police on the ground drivers who are operating outside the law are going to carry on getting away with it. Ity is therefore no surprise that the number of illegaldrivers (no licence/mot/insurance/car without a registered owner) is increasing. The answer? - get more police back on the roads !!
Peter, Ilkley

Anyone driving without proper insurance, MOT and road fund licence should face immediate automatic confiscation of their vehicle AS WELL as the other penalties currently in place. The vehicle can then be sold to help fund the stop and search teams. At present there are simply too few police on the road and a virtually zero chance of getting caught.
Charles, London

Why aren’t the police stopping more drivers to check for their insurance? The good people are dutifully paying their extortionate taxes, congestion fees and insurance while ONE MILLION PEOPLE are abusing the system. What needs to be done before the Government sorts this out?
John, Mull

I would be happy to pay a bit more council tax to see additional resources devoted to stamping out this problem. We need to change the culture - motorists should always be ready to give way to pedestrians - else the consequences are tragic.
David Shaw, Nottingham

This is a worrying trend that’s been seen coming. Our roads are becoming a place where people can express a degree of freedom that has now plunged into anarchy. To the average person, this riduculous gangster mentality is pathetic but it wont be long before it extends beyond hit and runs to shootings and murders. If more people were stopped and checked there would also be a major increase in the number of criminals caught. We need more police on the streets now, not more cameras that send out fines that never get paid.
Neil, Brighton

There is a much more simple explanation to this increase. Disregard to legislation in general has been on the decline for years and this is yet another example. As with parking, speeding, using mobile phones a large proportion of drivers contravene legislation because they are confident that they will not be caught and in the majority of cases, they are absolutely correct.
Neil, Bristol

if the vehicle is not taxed insured or motd and registration is wrong no amount of cameras are going to catch the culprit it needs police patrols out and more checkpoints in these areas nicking the criminals who are driving and putting us all at risk and make the punishment fit the crime .
mr J orrock, london

Terms & Conditions

News - Change to school times proposed

The introduction of flexible school hours around the country could prevent more than 300 casualties per year.


A survey carried out by a car insurance company also claims that cutting commuting to school by 10% could prevent 190 deaths annually.


The findings marks the beginning of Walk to School week, which aims to encourage kids to get fit and stay safe on the roads.


“The irony is that many parents think the roads are too dangerous to let their children walk to school,” said Jo Pike of the Living Streets campaign group.


“What we know now is that doing this journey by car is adding to the danger.”


Increased journeys


Motor accidents during the school run cause almost 7,000 deaths and injuries a year, according to the MORE TH>N report.


It also highlights the increase in car journeys to school over the last decade - up by a third - with the number walking to school falling by 12.5%.


David Pitt, head of insurance at MORE TH>N, says the government should property and casualty insurance marketing
the new Education Bill in its legislative programme and put school run safety at the top of the agenda.


“It is shocking how much impact the school run has on the level of accidents affecting Britain’s school children, which is why we agree that Walk to School Week is an excellent way of highlighting this growing problem.


“Not only will initiatives like this help to cut accidents and congestion, but they will also go some way to improving the environment and benefiting our children’s health,” he said.


“Whilst many parents feel it is safer to drop their children off at the school gates by car, they may unknowingly be increasing their risk.”


Participating


In Casualty company insurance metropolitan property
more than 100 primary schools aim to take part in the scheme.


The county council says it will cut congestion, encourage exercise and provide practical road safety training.


“Nearly one in five vehicles on the county’s roads at the beginning and end of the day are on the school run,” said Anthony Meehan of Gloucestershire County Council.


“This farm family casualty insurance company
to congestion, stress and impacts on everyone’s quality of life.”


In Scotland, transport minister Nicol Stephen said there was a need to improve on the numbers of children walking to school. Currently 50% of Scottish school pupils make the journey on foot.


“Anyone seeing the traffic outside Scotland’s schools each morning would realise that there is still significant room for improvement,” Mr Stephen said.


This is a campaign that is strongly backed by teachers and by most pupils and parents.


“We have set a target to halve the number of children killed and seriously injured on our roads by 2010. The latest figures show a 38% drop in 2002 compared to the mid-1990s level.”


He added that initiatives such as the introduction of 20 mph school safety zones outside every school in Scotland would be vital in helping to reach government target on accident reduction.

News - Motorway lorries ’stress drivers’

Many motorists feel unable to cope with lorries on motorways, a survey by an insurance firm suggests.


Direct Line said this had led to a rise in accidents involving heavy goods vehicles (HGVs) and said tests should include education on motorway driving.


Its survey of 2,098 drivers found 18% rushed to overtake lorries because they felt intimidated and 39% felt stressed property and casualty insurance terms
HGVs on motorways.


The AA Motoring Trust said drivers needed a better property and casualty insurance terms
of HGVs.


The trust’s Head of Road Safety Andrew Howard said: “Far more of this is motorists not understanding lorries rather than not understanding motorways.”


He said some motorists were unaware that HGVs could not go in the outside lane and were subject to speed restrictions.


Direct Line cited the latest government figures for 2003 which showed there were more than 6,000 accidents involving HGVs. These resulted in the deaths of 166 motorists and nearly 8,000 casualties.


‘Driver anxiety’


Emma Holyer, a casualty company insurance seminole
for the insurance firm, said: “More than a quarter of UK motorists don’t like driving in the motorway - and encountering large vehicles at high speed simple reinforces this anxiety.”


She said “indecisive driving” increased the risk of accidents and said the firm urged drivers to take extra driving lessons or an advanced driving test.


It also found 70% of drivers would welcome driving test reforms to include training on how to drive around lorries and large vehicles.


Mr Howard said it was a good idea for drivers to “think about lorries” on the motorways and build their confidence.


However, he said there were many reasons why he did not believe motorway driving itself should become part of the driving test.


He said around only 4% of accidents in the UK happened on motorways, compared to some 61% on rural roads, adding there would be many “practical” issues to overcome for tests to include motorways.


Mr Howard said “at times” HGV drivers caused frustration which could lead to accidents by “doing uphill overtakes lasting two and half miles” causing tailbacks in the middle lane.


‘Knights of the Road’


The Road Haulage Casualty company insurance metropolitan property
(RHA) accepted this sometimes happened.


RHA spokesman Steve Williams said: “We used to be known as the ‘Knights of the Road’, I wish we could go back to that.”


However, he said accidents involving HGVs were “often” not the fault of the lorry driver.


“But I can understand it is property casualty insurance association
, and it can cut down the vision of cars.. and most of these trucks are 44 tonnes,” he said.


He added that drivers should take into account HGVs were subject to “a lot of restrictions and regulations” such as they were all unable to travel at more than 56mph on motorways.


He suggested the theory part of the driving test could require more knowledge on HGVS.

News - UK troops to get life insurance


About 300,000 armed forces personnel are to be offered life assurance under a Ministry of Defence (MOD) scheme.


Until now, they had found it difficult and costly to get insurance, because insurers feared the costs of high casualties from a major war.


The Service Life Insurance (SLI) will be offered by insurer Sterling Life, but major losses will be underwritten by the government.


SLI will be available immediately to regular and reservist personnel.


Smoker premium


SLI cover will be available ids property casualty insurance
of the likelihood of the person insured being involved in combat.


Personnel at greatest risk of combat will not be asked to pay extra.


However, there will be different premiums for smokers and alpha property and casualty insurance
. Smokers pay more.


Service personnel will pay a premium in the same way as everyday life insurance cover.


Premiums will start from 5 per month and, as with many standard insurance policies, terminal illness cover is also included.


Maximum life cover will be set at 200,000.


John Blundell, managing director of Sterling Life, said: “The premium levels will be in line with those enjoyed by the civilian population.”


He added that life cover was guaranteed for up to 25 years.


Previously, insurers would refuse to provide life cover, hike up premiums or only insure with big get-out clauses.


Personnel currently on active duty in Afghanistan and Iraq will be offered a chance to join the scheme.


‘Tailor-made’ cover


It is expected that during the first year of the scheme, between 10,000 and 15,000 armed forces personnel will take out policies.


Armed Forces Minister Alan Ingram said: “It gives our personnel the option to take out life insurance cover that is tailor-made to reflect the unique nature of what they do.


“Cover is available to each and every serviceman or woman across every unit, ship and regiment at every stage of their career.”


Up until now, if personnel had been killed on duty, their family would have to rely solely on the MOD’s in-house general casualty insurance scheme.


In the recent past, there have been complaints from the families of service personnel about the level of compensation being paid and bureaucratic problems over backdated pay.


In 2005, the government significantly increased its insurance agent property casualty
payouts for members of the armed forces.


News - ‘No-one knew about my blood condition’

Each week for six weeks James Slattery-Kavanagh complained to his GP about a problem in his legs.

His doctor told him he thought the strange marks were insect bites.

But James was sure there was a deeper problem.

Eventually he could not walk and rushed to casualty, where doctors diagnosed a deep vein thrombosis.

Clot

A year later James suffered from a pulmonary embolism - or clot in the lung.

But doctors were still mystified at what was causing James problems.



All they could tell me is that Protein S was life threatening


James Slattery-Kavanagh

He was only in his 20s and had not been on any long distance flights and there seemed no obvious reason for his problems.

But a series of tests revealed he was suffering from a genetic condition called Protein S Deficiency.

Protein S is an anti-coagulant, but people with a deficiency are at greater risk of suffering from blood clots.

He bruises more easily than other people, has bad varicose veins and poor circulation.

He takes daily blood thinners so even a trip to the dentist takes weeks of planning to ensure that does not lose too much blood during any treatment.

Protein S Deficiency is very rare and only affects about one person in 200,000 in the UK population.

Rare

James found it was so rare that he had no-one to turn to for information and support. So the web designer set up his own page to allow sufferers like himself make contact and share experiences.

“All they could tell me is that Protein S was life threatening, but that they can’t do anything about it.

“I went for a few years not knowing anything about it. So I put something up and then I started getting emails from all over the world from people saying they had the same thing.”

Many people had worrying tales to tell. Some told of heart attacks or relatives who had suffered problems and others who had difficulty conceiving or casualty company fire insurance york
a pregnancy because of their condition.

He said the web-site helped users keep informed about medical breakthroughs, health insurance and useful advice about where to get medic alert bracelets, to warn people of their condition in case of an accident.

Website

He said the website helped to fill knowledge gaps.

“I think the NHS does a very good job in the primary care, but is not interested in sterling casualty insurance company
work. There is nobody following up on you afterwards. You are just left to get on with it.”

Dr Rooben Arya, consultant carolina casualty insurance
at King’s College, London, said patients like James could do certain things to avoid problems.

“There are certain things they can do to avoid the risks of clots.

“In someone who is Protein S deficient they can avoid clots by avoiding the oral contraceptive pill, avoiding hormone replacement therapy and taking prophylactic measures if they are having surgery or have to face a flight of more than four hours.”

News - US mutual fund hit by record fine


Alliance Capital is to pay $250m to settle charges of irregular trading practices, the biggest penalty ever paid by a mutual fund.

Alliance had been accused of allowing big investors to execute rapid-fire trades in its shares, a practice that erodes returns for ordinary savers.

Some of the payout will be used to compensate investors who lost out.

Alliance is the latest casualty in a crackdown on mutual funds, which handle the savings of millions of Americans.

“Alliance Capital violated the first rule for investment advisers - to protect the interests of the client,” said Stephen Cutler of the Securities and Exchange Commission (SEC), the US financial markets watchdog.

“A violation of this fundamental trust warrants a most severe sanction.”

Fees cut

Under the casualty insurance list net premium property written
deal with the SEC, Alliance has also agreed to appoint more independent directors in an effort to raise standards of corporate casualty company insurance property traveler
.

Under a separate deal with New York Attorney General Eliot Spitzer - who is metropolitan group property casualty insurance company
a separate probe into the mutual funds industry - the firm will also cut the fees it charges investors by 20% from 1 January.

Alliance, property and casualty insurance license
by French insurance group Axa, is the latest of several mutual funds to strike a deal with investigators.

Last month, Wall Street giant Morgan Stanley paid $50m to settle a probe into its mutual fund arm.

Separately, Putnam Investments - the fifth biggest mutual fund in the US - struck a deal with regulators under which it has agreed to make good any losses suffered by its customers.

Across the mutual fund industry as a whole, dozens of senior managers have been suspended or have lost their jobs.

Insider advantage

The investigation came in response to revelations of widespread abuses in the industry, which look after the long-term savings of about half of all American households.

Many of the funds under investigation - including Alliance - are suspected of so-called market-timing, where investors exploit outdated prices by rapidly trading in and out of fund shares.

Market-timing is not illegal, but is frowned on in the industry.

Some are also accused of late-trading - an illegal practice where fund managers allow big investors to execute overnight trades in fund shares at the previous day’s price.

Gulfstream property and casualty insurance say both practices have allowed Wall Street insiders to profit at the expense of ordinary savers.

News - Air ambulance faces cash crisis


An air ambulance which featured in a TV documentary is appealing for more volunteers to help fight a cash crisis.

London’s Air Ambulance, which operates from the Royal London Hospital in Progressive casualty insurance
, east London, is facing a 400,000 budget shortfall.

The service carries a doctor, allowing patients to be treated at the scene.

About 400,000 a year has to be found by the Helicopter Atlantic casualty company insurance
Medical Service (Hems) to keep it in the air.

The charity receives some funding from the ace casualty company insurance property
and donations, and Virgin pays half the lease costs of the helicopter.

Jill Williams


We are very anxious about meeting this shortfall


Jill Williams - Hems

But prices have gone up due to higher fuel costs, increasing insurance premiums and a rise in call outs.

The red Hems helicopter flies seven days a week in daylight hours and can reach anywhere within the M25 within 12 minutes. Every mission costs 700.

A trauma car operates at night providing the service but this is restricted to three evenings a week due to limited funding.

Jill Williams from the management team of Hems said : “We are very anxious about meeting this shortfall.

“I am very property and casualty insurance test
about raising this money and we have been for the last three or four months.”

The air ambulance’s team and staff from the hospital’s casualty department have appeared in the BBC One documentary series, Trauma.

For casualty cram exam insurance license property on how to donate money to the air ambulance call 020 7377 7387.

News - What the papers say

Journalist Mike Philpott takes a look at what is making the headlines in Casualty hartford insurance property
morning papers.






A memo from the chief constable criticising nationalist politicians makes the lead in the Belfast Telegraph.


The paper says Sir Hugh Orde accuses some of “insulting the PSNI, its staff and retired colleagues”.


It reports that the email was sent on Saturday, after an intense week of political debate about policing.


The News Letter has an interview with Mavis McFaul, whose partner, David Caldwell, was murdered by the Real IRA in 2002.


Speaking after his inquest in Limavady, she told the paper that she “harbours more hatred for the vandals who have repeatedly desecrated his grave than for the people who killed him”.


She said she had taken out an insurance policy on his headstone.


She told the paper that she harbours more hatred for the vandals who have repeatedly desecrated his grave than for the people who killed him


Attacks on medical staff are the subject of editorials after police officers were assigned to Belfast City Hospital’s casualty unit at weekends.


The Irish News says it’s a sad reflection on this society that “hospital corridors are not havens of safety”.


It believes there will be two measures of success during the property and casualty insurance class
pilot exercise.


The first, it says, will be if the number of attacks is reduced and the other will be “an increase in the number of people charged and convicted for violent attacks”.


The News Letter says matters “have descended to a sorry state when police have to be drafted in”.


It joins the Irish News in calling for zero tolerance of violent behaviour.


The Irish Times reports under its main headline that the Taoiseach, Bertie Ahern, has accepted the British government’s decision to press ahead with assembly elections on 7 March, although he tells the paper that he “would have liked more clarity and more certainty about the intentions of the DUP”.


The Irish Independent has the fascinating story of how a surgeon from University Hospital in Galway was prompted into action when he saw government minister Conor Lenihan on television just before Christmas.


He noticed a lump on Mr Lenihan’s jaw and phoned his office the next day to say that he should go immediately to hospital to have it checked out.


It turned out to be a tumour and although it was not malignant, it was dangerously close to his facial nerve.


He noticed a lump on Mr Lenihan’s jaw and phoned his office the next day to say that he should go immediately to hospital to have it checked out


He has now undergone surgery to remove it, and tells the paper of his gratitude to the surgeon who saw the warning signs.


The headlines in the cross-channel papers will make bleak reading for Number 10 Downing Street.


Most focus on the re-arrest of Lord Levy in the maryland casualty insurance
investigation.


The Daily Telegraph says it has widened the investigation casualty company insurance life tennessee
.


Steve Richards, writing in the Independent, says the inquiry “began as a serious diversion”.


But now it threatens to overwhelm all other matters, “reducing serious policy issues to minor matters as Downing Street languishes in a fearful gloom”.


The Guardian and the Times both report that Tuesday’s events make it “more likely that the prime minister will be interviewed by the police again before the investigation concludes”.


Finally, several papers report that the French are bringing back the paid siesta for workers after the practice fell into disuse.


The Times says that the country’s health minister has promised that if a pilot project is successful, he has no problem with the whole nation taking an afternoon nap.



News - Ambulance theft teenager jailed

A teenager who stole an ambulance and caused 100,000 worth of damage when he crashed it into a wall has been jailed for three years.


Steven Casualty company ids insurance property
, of Moorbeck Way, Ormesby, Teesside, led police on a 60mph pursuit through a housing estate after he stole the key from paramedics.


The 19-year-old was sentenced on Friday at Teesside Crown Court.


He pleaded guilty to aggravated vehicle taking, driving while disqualified, no insurance and breach of an Asbo.


The ambulance crew had been treating a casualty at a house in Allendale Road, Ormesby, on 8 February, when McGladdery wandered in and started swearing and pushing the paramedics.


‘Abominable property casualty insurance job


He then left the house and when the crew went outside they noticed the ambulance had gone.


It was traced within minutes, via its on-board tracking device, and the teenager then led police on a high-speed pursuit before crashing it into a wall and a car.


The court heard the Mercedes ambulance was damaged to such an extent that it could not be repaired and Tees, East and North Yorkshire ambulance service was left one vehicle short for nearly two months.


McGladdery was on his third Asbo at the time of the chase, imposed after he rammed a stolen car into a police car and a house in Redcar, Teesside, in 2005.


American casualty company insurance property
the teenager, Recorder Martin Bethel QC said: “Your behaviour was quite abominable.


“You took an ambulance which was answering a call, you drove it in an extraordinarily dangerous way, you wrote it off at a cost of 100,000 and you left that area with a lack of ambulance cover.”


McGladdery was sentenced to three years in a young offenders’ property and casualty insurance marketing
, disqualified from driving for four years, and given a fresh Asbo for three years on his release.

 
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