American International Group Inc., the largest commercial insurer in the U.S. and Canada, said profit declined 67 percent on costs to pay down debt and add to reserves.

These days we all imagine the worst-case scenario in any situation. It's safer, but it doesn't always feel like it.

In the United States, automobile use is extensive and pervasive. Vehicle accidents are such a common occurrence that they are considered an unavoidable part of normal activity. As a result, there is a legal duty to provide safe roadways that are clear of undue hazards.

Here are a few additional thoughts on workers compensation issues for 2015.