[TheForge] reversal of fortunes in a blink of an eye

[Peter Fels & Phoebe Palmer]

Medical costs are the most common cause of bankruptcy and foreclosure in 
this country today.
Our sketchy medical insurance is the biggest item in our budget.
Sure pushes me hard towards socialism on this subject.
In the face of no specific directive, it's the Dr's job to try to save 
anyone they can. I don't want them making decisions for me otherwise.

Spent the morning husbanding ( if that's the right word) an accident on 
our corner. A college student on a medium sized motorcycle took the 
corner wide and hit the wheel and fender of a rental car. Trashed the 
front end of the bike and the front corner of the nissan car..flattened 
the wheel and knocked it askew.
The guy's pinky was bruised.
A good accident.

terry l. ridder wrote:
> hello;
> 
> given the current thread concerning identity theft and credit reports it
> is important to remember that even if you do everything correctly, have
> a great credit score and all that can change in a blink of an eye if you
> are involved in an accident that is not even your fault.
> 
> most states have similar laws as the corrupt state of illinois. even if
> you are not at fault in a vehicle accident you will receive all the
> medical bills for the medical services rendered to you. you have to
> bring a lawsuit against the person who is at fault for the accident to
> recover the medical costs. unless the person at fault is independently
> wealth so that they have no possibility to go bankrupt even if you win a
> judgement against them they have nothing to lose by going bankrupt. now
> you have paid the lawyer and the court cost to bring the lawsuit and you
> even though you won a judgement you will never collect it. you are still
> on the hook for all the medical bills. so all your work to have a
> prefect credit score means nothing when you have hundreds of thousands
> of dollars in medical liens suddenly placed on your credit report. so in
> a blink of an eye your life as you knew it was just flushed down the
> toliet and your future life is going to be nothing that you ever thought
> of or would have desired to have.
> 
> even if you eventually win millions of dollars in a long drawn out legal
> nightmares. you may have money to burn but you do not have the ability
> to do much if anything with it. what is the use of having won the
> millions of dollars when you have lost nearly everything you once
> thought important. there is no romance in your life anymore because you
> have no sense of touch anywhere below the waist. you can thank the
> seatbelts and air bags for that. you know that with all the nerve damage
> and physical damage there is nothing that can be done to stop the
> onslaught that is taking anyway everything that make you you. eventually
> you testicles will die and dry up; hormone levels will change
> dramatically. so you are alive and perhaps a millionare but is it worth
> being alive? that is the question you have to ask yourself.
> 
> i would strongly suggest that everyone make the decision now about life
> saving medical services for that time when you may not be able to say
> anything. the doctors playing god may very well save your life but you
> may very well wish that they had just let you die. sure they saved your
> life but just what is it that they have saved?
>