Advice and Liabilty

[Maj]

I wish the responsible for your own actions were true here too, it should be ....but the insurance/legal system has had no checks and are cleaning up with stupid litigation , People still say at least we are not like the USA but the truth is they have a properly balanced legal system that can be argued on both sides effectively we dont, the insurance either steam rolls you if your not covered or just pays up if you are , end result is more insurance is needed ...
Even NZ has a better system than we do ....