Shelly Was Involved in an Auto Accident and Was Admitted

Essay

Shelly was involved in an auto accident and was admitted to the local hospital,as she had suffered severe injuries.She informed the hospital staff that she was covered under accident insurance,and that the insurance company would pay for the medical bills.When the insurance agent arrives,he informs her that the insurance will cover every cost and that all she has to do is sign some papers for the insurance company to start the procedures.The papers that Shelly signs are actually an agreement that the insurance company will pay only 30 percent of the medical bills,since Shelly was driving recklessly.Analyze the case.