How about if you're active military? I'm fully covered with military medicine. If I were in an accident -after fixing me up - they would do a line-of-duty investigation. Worst that would happen is if there were any untoward shenanigans (riding without a helmet, excessive speed, stunting, etc), I wouldn't be entitled to disability benefits, possibly non-judicial punishment if it was due to a serious fugg-up on my part (DUI especially).
So do I really need medical coverage?
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