Originally Posted by kane

2. A friend of mine's 13 year daughter was out for a bike ride. She hit the curb with her bike, fell and fractured her skull. She had to have 2 surgeries and a lot of care and physical therapy. Luckily, she made a full recovery and today is back to normal. Her hospital bills came to just under 400K. She wasn't wearing a helmet. Her mom told her to put it on, she did, then when she was around the corner she took it off because she wanted to be cool while hanging out with her friends. The city they live in has a law that anyone under 16 must wear a helmet. The insurance company said that since she was breaking the law by not wearing a helmet they weren't liable for the bills. They are now suing the insurance company. It will probably end up costing them about 20K to sue. If they win they get off lucky with just a 20K legal bill. If not they will have to declare bankruptcy. They make a decent living, but they don't have 400K and the payment plan the hospital would want they can't do.