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Mr. Coaster - I think you've kind of negated a portion of your arguement. If the Raven incident was rider error and didn't produce any big payout (as you seem to think), then how's that an example of your point? It seems to me to just be an example of the creation (and demise) of the better idiot.
If there was a payout at Disney (who's notoriously fantastic at risk management and lost-loss control), I imagine that there was some sort of negligent contribution on Disney's part. Either the ride malfunctioned or the operator screwed up. I know for a fact that Disney self-insures the first $1M of their general liability coverage (this is a GL claim) because it's in their annual report. That means that Disney wrote the check for at least that amount, and I don't remember reading about a judgement against them, although it's entirely possible that it happened and I missed it. If I have time tonight, I'm going to see what else I can find out about this case and report back.
Juries don't have a hard time recognizing who's an idiot and who's not. What they do have a problem with is feeling sorry for someone who's life was changed in a horrible way and will never be the same.
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