Sunday, October 14, 2007

You Want Answers?

So do we.

It seems the issue of the Frost's is not going to die a natural death in the blogosphere but I am almost ready to move on. Except there are a few questions still unanswered.

One question is very important, at least to me.

Thanks to Michelle Malkin for fleshing out this story a bit more. Here is a summary.

Michelle asks the burning question "Who deserves government (taxpayer) subsidized health insurance"?

She then goes on to explain that the Frost's own 3 vehicles. A Volvo SUV, a GMC Suburban and a Ford F-250.

There are only 2 adults of driving age so why three vehicles and presumably three insurance payments?

Is this the kind of family that needs S-CHIP?

Early reports indicated 2 of the 4 children were in private school.

It appears that was not correct. All 4 attend private school.

Some have reported they are on scholarship, others have indicated the state of Maryland is paying at least a portion of the bill and someone suggested the tuition is paid by the grandparents.

Regardless of the source the tuition exceeds the reported income of this family.


Since Michelle actually visited the neighborhood where the Frost's live, as well as the commercial property owned by the Frost's, I give some credence to her reporting.

I am happy to report that at least one question has been answered. It seems that the $1200 figure quoted for health insurance premiums was the result of a search AFTER the accident.

So one can presume (with some validity) that neither the parents nor the children were covered by private insurance before the accident.

Michelle also validates the price of insurance for a family of 6 in Baltimore by stating the coverage is available from Golden Rule for prices ranging from $190 to $423 per month. She also states the obvious.

If you don’t buy it before you need it, you shouldn’t be shocked if it’s difficult to impossible to get after you need it.

OK, it is obvious to most adults with a moderate ability to understand the basics of insurance.

We do know the children are currently covered by S-CHIP, but this begs the question . . . WHEN did they come under the S-CHIP umbrella?

Could it have been AFTER the accident?

Inquiring minds do want to know.

One last thing. If you read the comments on Michelle's piece you will see several who apparently have not bothered to research the accident. They make mention of the possibility of an insurance settlement that has provided some of the nice things such as the 3 automobiles, private school tuition, etc.

I suppose that is possible except for one thing. The reports I read indicate this was a single car accident. Bonnie Frost was driving, hit a patch of ice, and ran off the road into a tree.

Now I suppose they could have sued the government entity for improperly maintaining the road. They could have sued the owner of the tree for planting the tree in such a hazardous spot. And they could have sued the auto manufacturer for improper design.

But none of this has been reported.

I am not in the auto insurance business, so I have no way of knowing if the liability portion of your auto coverage extends to family members injured in a car driven by the named insured who was using the family vehicle.

If I had to guess I would say the answer is no.

But that is just a guess . . .

I really do want to know when the children went on S-CHIP but I suppose that will never be answered.

I guess some folks can't handle the truth.
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