kaianos (torsui) wrote in little_details,

adjusting insurance rates after life-threatening accident and etc.

hi all. yes, this is for nanowrimo. :D i posted to the forums there but haven't got any hits on this one so in desperation, i'm turning to you lovely people. two questions here.

the setting's modern day US with a critical twist: 'magic' was developed in its own right as a particular science pretty much in conjunction with chemistry and this character is a member of that discipline. he got into a bit of an incident where he came within a hairsbreadth of dying (trapped under a fallen cabinet in the lab he works in, surrounded by the chemical spill resulting from bottles falling out of said cabinet and breaking). naturally, he ended up in the hospital and i'm sure his insurance company had something to say about it, given that he'd also landed in the hospital some time before due to respiratory arrest because of his job.

so what would be the effect on his insurance? medical, life, etc etc? also property insurance, given that he owns the lab this happened in. how would the company contact him? would they ask him to come in to the office for a discussion or work primarily through an adjuster or send a letter by homing pigeon or...?

relevant information: he's an otherwise healthy caucasian male in his late 20s/early 30s. lives somewhere unspecified in the northeast; no history of chronic diseases or pertinent medical conditions in his family that i know of (though his father's dead/AWOL). he comes from a very wealthy family, though his current job makes far less than what he's actually worth (runs a small consulting/repair business in partnership with the second character with independent research on the side). the accident was... actually not his fault -- though he doesn't know that -- but he was alone in the lab at the time. so yes, the cabinet kind of just fell on him.

second question: the plot has this character and another character discovering somehow that the life expectancy for magicians across the board has been dropping or is unnaturally low. i'm assuming insurance companies would be aware of this, but how would my character find out? i was thinking a random throwaway comment by an insurance agent ('oh, we would have had to adjust your premiums again soon anyway -- you lot seem rather prone to heart attacks at age 50, for some reason.') but would that be feasible?

googled: insurance adjustment, life insurance, actuarial tables, claims adjustment, insurance rates
Tags: ~insurance

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