http://www.nytimes.com/2009/06/12/business/12aig.html?pagewanted=1&hp
I thought this would have been handled fully by now.

["Tess Sosa, who was aboard Flight 1549 with her husband, 4-year-old
daughter and infant son, said she suffered a mild concussion during
the landing, and her husband was treated for a leg injury and
hypothermia. The family, from New York, continues to get hospital
bills, she said. But her top priority was getting the insurer to pay
for therapy to reduce the risk of post-traumatic stress disorder for
her and her daughter.

Because the plane was full on the day of the accident, she and her
baby were seated near the wings, while her husband and daughter were
far in the rear. The plane struck the water tail-first, and water
began pouring in where Mr. Sosa and daughter Sophia were sitting.

Ms. Sosa, clambering over seats toward the front of the plane with her
son in her arms, looked back and caught a horrifying glimpse of her
husband standing in the deepening water, trying to hold their daughter
above the surface.

“I can tell you, he was looking straight at me and he didn’t even see
me,” she said. Since then she has been haunted by the image, and the
feeling that in her escape she abandoned her husband and daughter.]

That whole thing really sucks :-\ Why doesn't this work like Full
Comprehensive insurance for cars?
You get your money..and at worse your premiums go up 

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