Not sure if this is the correct forum for this post, but I believe it is relevant to accidents.
I would like input as to why dive insurance companies pay off on accidents resulting in injuries which occur when a diver dives beyond their certification level. For example, a recreational diver routinely exceeds recreational limits and repeatedly bends or otherwise injures themselves and yet their medical expenses are covered.
If the dive insurance companies did not pay off on these types of accidents waiting to happen, they would be in essence promoting safer diving and the premiums for other responsible divers might be substantially lower.
I would like input as to why dive insurance companies pay off on accidents resulting in injuries which occur when a diver dives beyond their certification level. For example, a recreational diver routinely exceeds recreational limits and repeatedly bends or otherwise injures themselves and yet their medical expenses are covered.
If the dive insurance companies did not pay off on these types of accidents waiting to happen, they would be in essence promoting safer diving and the premiums for other responsible divers might be substantially lower.