With kids and schools playing all their sports harder and faster, injuries are unavoidable. And parents are willing to take the risk. The risk of a catastrophic injury is very little but it happens.
It happened to Rocky Clark. Rocky was injured in a high school football game and is now paralyzed. The insurance from the school is all used up. Here is more about Rocky's story from The Washington Post:
"Clark can do little but swivel his head. He can't move his arms or legs. More than a decade ago, he was paralyzed from the neck down after being tackled in a high school football game. After nine months in rehab and a hospital bill approaching $1 million, he went home."
"As a quadriplegic, his long-term prospects were slim. And over the years, there have been regular hospital stays and health scares -- no surprise, considering Clark's fragile condition. He has just one working lung. His right lung is partially paralyzed; certain infections could kill him."
"And yet Clark has endured. His doctor credits top-notch, round-the-clock home health care paid for by the school district's $5 million catastrophic health insurance policy. But that's run out, so the nurses and money are gone, replaced by his mother, growing financial pressures and a new sense of foreboding."