In 2016 I rolled a 8730 4 times sideways off a mountain  and spent year and half without able to do much  barely escaped with my life . My workman’s comp policy paid everything without a hitch and no question asked .  Almost 2 million in cost from start to finish and an expert med professional at every single one medical decisions. The life flight was almost 100k by itself . I don’t see how anyone could be without it ,we are all  just one accident away from destruction.