People correctly drew attention to the fact that this was an auto insurance case. Whether or not this family chose the lowest amount of coverage or the highest amount is not known, but was never asked.
Life is about choices. There are so many cases of people not having adequate insurance and then blaming it on someone else when their gamble doesn’t pay off.
But you have decided to inject the ‘well maybe auto insurance didn’t cover it’ argument. That’s a red herring because it does not matter. The family had a choice. They chose wrong. But they got the big house and the exclusive schools. So they did get that part of their choice. But should things go wrong in other parts of their life, well...just let someone else pay for it!
I’m sorry, I am not buying your argument and I am not defending them.
“People correctly drew attention to the fact that this was an auto insurance case.”
Nah. Getting your car totalled is an auto insurance case.
Getting your kid’s guts and brains knocked all over the place is principally a medical case.
And that’s why folks have health insurance.
Just like this family.
“Whether or not this family chose the lowest amount of coverage or the highest amount is not known, but was never asked.”
Who cares?
Heck, even if the medical bills were covered by the liability insurance coverage, instead of the personal injurty protection coverage, and even if this family maintained a high liability limit ($100,000 per person and $300,000 per accident are considered high limits), the auto insurance STILL wouldn’t have paid all the medical bills!
And why in the world would the family try to do that?
The kids have HEALTH INSURANCE for HEALTH PROBLEMS!
My own personal injury protection on my own policy is the state minimum: $2,500. Why should I care? I have excellent health insurance! If we’re in an accident - God forbid -, we’ll get all the treatment we need, and our health insurance will pay for it, save the $2,500 coming from the auto insurance company. WHY WOULD I BUY OVERLAPPING COVERAGES??
“There are so many cases of people not having adequate insurance and then blaming it on someone else when their gamble doesn’t pay off.”
But these people didn’t gamble. They had more than adequate coverage! The insurance they obtained through SCHIP paid for the best medical care for their kids available in the United States!
“But you have decided to inject the ‘well maybe auto insurance didn’t cover it’ argument.”
No, I didn’t say that. I said THERE WAS NO WAY IN HELL THE AUTO INSURANCE COVERED THE MEDICAL EXPENSES and WHY WOULD THEY CARE?
“The family had a choice. They chose wrong.”
How? How did they choose wrong?
“But they got the big house and the exclusive schools.”
Yup. AND health insurance for their kids.
Looks to me like they won all the way around.
I may not like how they obtained the health insurance for the kids, but they did get it, legally it would seem, and it worked out well for them.
“I’m sorry, I am not buying your argument and I am not defending them.”
You don’t even know what my argument is.
LOL.
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