I am torn about this...My sister was hit by an uninsured driver here in Colorado. Several months later she started acting kinda weird. The short story is she had a closed head injury from the accident. By this Time she had lost her job and health insurance so we purchased health insurance for her from the same agent that had her car insurance. In the end we had no choice but to put her in a mental treatment facility for evaluation and finally got the diagnoses. That is when the fun really began. The car insurance said she wasn't injured in the car wreck because it had been so long and she had signed that she was ok. But the health insurance said it was a pre-existing condition caused by the car wreck. You guessed it no one would pay for anything. It took several years and some lawyers to get this worked out but in the interim she was on SS disability.

So what can I say when used correctly the system will function. But there will always be a few to try and spoil it for the many....