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My brother had health insurance through his job, but that didn't stop them from denying his claim because the motorist wasn't properly insured.
Excuse me, but that really makes no sense at all.
I have have had over 20 years in insurance claims and I have never, ever heard of such a thing.
If some H&A carrier pulled this stunt, your brother, you or your family should have made a fast visit to your state's insurance commissioner.