Question:
One of my friends has recently asked me a question which I have no
idea about, so I present it to this site and hope any one of you can
give me an answer. He had contracted a disease and, as the diagnosis of
the doctor proved, it was a result of mosquito bites carrying some kind
of virus related to encephalitis. He therefore claimed to the insurance
company for the damages on the basis of accidental injury but was
refused. Their reason was that a disease, whether it was due to a
mosquito bite or not, was not an "injury", let alone "accident".
Does anyone know if there is any authority-- no matter what state --
taking care of this problem?
Answer:
I am not a lawyer, but I doubt very much that a mosquito bite would
EVER be considered an "accident". I think it would most probably
fall into the category of "act of God".
On the other hand, about 14 years ago, I had an accidental injury
policy, and it paid 80% of the 20% copay from the medical insurance.
There was an "injury", but the policy covered "illness"-related
charges, as well.
