Insurance blow for victims of 'black-cab rapist' John Worboys

The passengers of a taxi driver who became known as the infamous "black-cab rapist" has lost a crucial step in their fight for damages today.
Ten women have asked a judge of the High Court in London to rule in their favor in a single action on the responsibility of automobile insurers on their injuries.
John Worboys, 54, was jailed indefinitely in 2009 after being sentenced at Croydon Crown Court for drugging and sexually assaulting women while working as a taxi driver in London under license.
Mr. Justice Silber rejected the claims made against Inceptum Insurance Company Limited, formerly known as HSBC Insurance (UK) Limited, on a preliminary issue of it was liable to pay damages because crimes have Worboys was committed in his taxi assured.
The judge expressed "the utmost sympathy" for women "in light of the horrific experiences they suffered at the hands of Worboys," but said his duty was to "follow the appropriate legal principles."
The women had asked the judge to declare that "the plaintiff obtains a judgment against Mr. Worboys damages and / or costs in respect of allegations", the insurers were "required to pay plaintiff the sum judgment with interest thereon due. "
During the hearing of the action in April, Edwin Glasgow QC, for the passengers, told the court: "The fundamental issue in these cases is whether the injury caused by assaulting a taxi driver on a passenger , during a voyage, were "caused by or arising from the use of a vehicle on a highway" for purposes of compulsory insurance required by the Road Traffic Act 1988. "
Mr. Glasgow said the key to solving this issue was "the role that the taxi and the taxi driver played in the events that took place".
He added: "It is our submission that the use of taxis and the role it played in the attacks that took place during their journey was essential and material."
The QC told the court: "The taxi was not made to be where the attacks occurred, it was the symbol of security that attracted these young women to believe they were safe .. "
The taxi has become the place where women were "kidnapped", where Worboys made up his mind that he would attack them, where they were poisoned - and he "provided the means" by which attacks may occur.
Worboys used his taxi as a "decoy" for unsuspecting young women who have been deceived into believing that their security was assured by two things: the black cab and the authorized driver.
Each applicant was a passenger in a taxi Worboys' in 2007 or 2008.
Mr. Glasgow said Worboys was "clearly liable to the claimants of his intentional wrongful conduct."
Responsibility to each of them was "against the injury caused to it by, and / or arising from the use of his vehicle on the road."
The second defendant - the insurers - "accepted fact and ensure Mr Worboys, under the 1988 Act on Road Traffic regarding its responsibility for applicants for these issues."
The move was opposed by insurers.
In today's decision, Mr. Justice Silber found that the injury suffered by women did not arise from the use of the vehicle Worboys' on a highway or other public place as defined in the Act in 1988.
He announced that the use Worboys' vehicle at the material time was not a use provided by the policy issued by insurers.
The judge ruled that insurers were not liable "to pay to a provider of any sum payable under the judgment expected to be obtained by it against Worboys, or any part thereof specified".



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How to claim medical insurance with ease

What is a medical insurance policy if the claim process you run from pillar to post, frustrated? Here's how you can avoid both the hassle and heartburn.
Enough and more has been said about the importance of taking medical coverage. But what good policy if the claim process has you running from pillar to post, frustrated? The key is to be aware of the basic conditions set out in the insurance contract, and minefields bypassing both during and after hospitalization.
Most battles result in insurance claims due to an endemic problem: private hospitals in their quest to generate maximum revenue, encourage patients covered by medical insurance to undergo medical procedures that may be unnecessary or irrelevant, and health insurers have been known to reject the claims saying he was not medically necessary.
So to keep things simple, here are some steps you can take quintessence if you need to be hospitalized.
BEFORE HOSPITAL
Unless an emergency visit, make sure you choose the hospital receives a certificate of registration. This is because in some recent cases, insurers have rejected claims of health insurance stating that hospitals do not hold a valid certificate., Adds Dr. Nayan Shah, President and CEO of Paramount Health Services, a third party administrator (TPA): "In urban areas, an approved hospital must have over 15 beds, while in the cities of level B, minimum criteria is 10 beds. "
Also, be aware that the list of network hospitals is often revised. "Choose a hospital only after checking the list on the website or call the TPA, as every year, they downgrading of some hospitals and remove them," suggests Guard ®, which acts as an independent consultant for companies insurance.
Recognizing the pitfalls of these frequent changes, the draft recently released guidelines issued by the Insurance Regulatory and Development Authority to protect the interests of policyholders health takes the issue head on.
One proposal suggests: "If the insured has been issued an authorization for the conduct of proceedings in a particular hospital, or is already being processed, and the hospital is proposed to delete from the list of network provider, the insurer to provide the benefits of cashless facility for the policyholder. "So, you will be covered by the insurer if you have taken prior approval, even if the name of the hospital is delisted before the insurance company.HOSPITAL
Some hospitals require health insurers to confirm whether the request of a patient is or is not admissible. A new approval must be sought if there is no change in treatment. "Think of an insured person with a broken leg after an accident which gets its application approved by the TPA. Later, if the patient also has headaches and hospital recommends a CT scan, a further approval is necessary for the same, "says Shah.
You might think that since you are insured, you do not need to keep an eagle eye on expenses that accumulate during hospitalization. There must be a mistake. Segar said Sampath Kumar, Deputy Director General, Insurance Company New India: "Just because the patient has insurance coverage, it should not ignore the considerations that would otherwise have done, try to minimize the cost and act as he would. have had he not been assured, so he has the most coverage available for the balance period. "



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