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Consequently , investors might demand a " risk - premium " to invest in a security related to terrorism that would be above the rate that insurance companies would be willing to pay . Officers took Leif to Netcare , Franklin County 's 24-hour emergency mental-health center , and later to Ohio State University Harding Hospital.The family 's insurance company would n't approve the claim , but Thompson called her son 's psychiatrist , who talked the company into changing its mind . " My insurance company would not pay for my liver transplant . The insurance company would process the claims , and then submit an invoice to the government for payment of its share . Many elements of examinations for insurance companies would not be included in examinations of statistical agents or advisory rating organizations ( e.g ., Producer Licensing ) . Stanley said he doubted that rituximab would become a first-line treatment for pemphigus vulgaris anytime soon because the medication is quite costly and insurance companies would likely balk at paying for an expensive drug that is n't FDA approved specifically for treating pemphigus . Because insurance companies would bear significant new risks for offering inflation protection , they would be likely to charge very substantial fees over and above the already steep 10 percent that they now charge . " Coverage " means that the insurance company would pay all sums including legal defense costs that LLLI would become obligated to pay as damages from claims made against LLLI for which they are legally liable . Profit-making insurance companies would surely react to such a plan by trying to sign up only the healthiest of the elderly , leaving many of those who need medical care most with a government health care voucher that no company would wish to accept . So in typical 1984 / republican double-speak they are not attacking frivolous cases since those would never get to a court room and by definition if they were frivolous no insurance payout would occur , instead they really just want to cap and reduce the amount an insurance company would pay out when found guilty or liable .