In truth insurance companies are the ultimate way of avoiding personal responsibility for ones actions and lives.
Right...so it's your own fault your kids have Downe's Syndrome.....what the fuck kind of thinking is this....or are you a proponent of eugenics?
It is the responsibility of the parents that had that child.
Yeah life sucks sometimes, but who said it was fair?
but then to support tort reform and then those parents find out it was a medicine or food additive that caused the retardation...