Path: utzoo!utgpu!news-server.csri.toronto.edu!cs.utexas.edu!yale!bunker!hcap!hnews!382!18!Gabe.Grall
From: Gabe.Grall@f18.n382.z1.fidonet.org (Gabe Grall)
Newsgroups: misc.handicap
Subject: Re: No-Fault states
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Date: 4 Sep 90 18:26:00 GMT
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Index Number: 10075

[This is from the Chronic Pain Conference on Fidonet]

I've heard about the lap-belt vs 3 point belt thing before. This is the 
first case I've heard of with a cervical paralysis. Most of them usually 
break the spine in the lumbar area. As to the medical side of this; I saw 
something similar one time. The patient was a very old woman who was kept 
alive, if you could call it that, for an extremely long time by various 
medical machinery. Without getting into a 'quality of life' type of 
discussion, I wonder why on earth the family insisted, if indeed they 
did. This woman was in her late 80's at the time. I saw the bill when she 
finally passed on; over a quarter of a million. The lady I spoke with at 
the hospital told me she had a very good health insurance policy that 
paid it all. If I was 80 and in that shape, I have filed a 'living will' 
that specifically prohibits any 'heroic measures'. 
Even in a non-no fault state like Texas, you would still be going against 
your own policy here in your instance. Uninsured Motorist. Its the same 
type of battle, just going after your own company instead of the company 
the other guy should have had. Its bad enough that we have to charge for 
the risk we think our drivers are on the road, but now we have to take 
into consideration the guys that don't have insurance; that we probably 
wouldn't want to insure anyway. This is why so many folks get into such a 
lather over insurance. It just seems like a no-win situation anyway you 
look at it. I still don't see how our little company makes money. We have 
been paying out over $1.07 for every $1 we take in. Thats expenses and 
losses. But the investment guys seem to make the numbers work. 
If you wouldn't mind, whats the address for Jill's room ? I'd like to 
send a card... perhaps others would also.

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