Security Camera Installation Vs Nuisance Lawsuits, Who Wins?
When insurance companies determine the premiums that they charge to businesses, one of the factors that they use is the cost of frivolous lawsuits. Frivolous lawsuits arise when a person claims to be injured in a place of business but in actuality were either not injured at all or injured in another location. Their idea is that they can collect from the insurance company and the business will never be harmed. Nothing could be further from the truth. Defending against a frivolous lawsuit takes time and money away from the business. A security camera installation can, through the use of the images gathered, successfully defend against the frivolous lawsuit.
If a plaintiff states that they fell in a place of business and injured themselves, it is often difficult to prove them wrong if there are no witnesses. Without a witness to state that the plaintiff did not fall, defense against the nuisance lawsuit is difficult if not impossible. The only recourse is for the insurance company to pay the lawsuit or make a settlement payment. A security camera installation in the business can cover the whole business area and provide a recording for the insurance company.
In a factory setting, an employee may be injured on the job. The injury could be the result of neglecting to follow established safety instructions. There is the possibility that no co workers saw the injury happen and can not assist in the defense against the frivolous lawsuit. Through the use of a security camera installation, the company can utilize the footage obtained from a camera observing that area and defend against the lawsuit.
Insurance companies will often settle frivolous lawsuits out of court. They will provide a monetary settlement to the party that claims to be injured if there is no proof that the injury did not happen where they claimed it did. The cost of settling the lawsuit out of court will be apportioned to all of the businesses that utilize that insurance company in the coming years. This cost will be realized in higher premiums for insurance. A security camera installation will often cost less than the aggregate sum of the increased insurance premiums.
The “security” in security cameras means more than simple protection of property. The “security” in security cameras means that the owner of the business has the peace of mind in knowing that his property and the actions in and around his property are being observed. This observation along with the recording of the images provides valid proof that a lawsuit is both frivolous and a nuisance. The presentation of the data to the plaintiff’s lawyer will end the nuisance lawsuit and potentially save the company far more than the cost of the security camera installation.
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