It Could Happen to You, It Could Happen to Me In December 2015, Amy accepted an invitation from friends to go snowboarding. Amy did everything right: took a lesson, stayed on trails well within her skill level, and maintained an awareness of people and objects near her Even though she thought it was a bit dorky to wear wrist guards and a helmet, her friends insisted that she take standard and reasonable safety measures. Amy was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Amy. Amy was injured and taken to the nearest hospital by ambulance. Amy's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of her head injury. Amy spent a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Amy was in good health, her recovery was complete. Amy returned to full function in about six months. Soon after Amy returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Amy also had to have physical therapy for her wrist and elbow. Her total medical expenses were $40,000. It was time to find out if all those premiums paid since 2012 would pay off for just one, albeit dramatic, incident