As if we didn’t already know this, a study shows that “among people with health insurance, more than 20 percent had trouble paying for basic necessities. More than a quarter had bills in collection, and 13 percent had borrowed money as a result of their illness.”  A lot of our clients know this first hand. A car crash injury, a doctor’s mistake that keeps you out of work, or a hip implant that needs to be taken out and replaced- these aren’t always fully covered by health insurance. But they can be paid for by the insurance of the wrongdoer. It’s one way to avoid “Financial Toxicity”.(Photo credit Jay Keene/NYT)