A New Jersey based insurance company has denied any responsibility in paying for the settlement of a woman paralyzed in a hayride accident run by a farm market. There is apparently language in the insurance policy stating it does not cover bodily injury for any temporary worker.

The paralyzed woman apparently asked to work at the market on weekends in order to give hayrides for customers. The accident occurred when the woman was trying to gain control of two horses. The woman was subsequently thrown from the wagon and then run over causing a fracture to the spine and paralysis from the waist on down.

Spinal cord injuries are so traumatic in that it so much limits the mobility of the individual that is injured. The severing of the spinal cord is generally permanent in nature, will require long term hospitalization and rehabilitative services, and likely a lifetime of other type of services to assist in day to day living.

The woman injured in this accident was only 23-years old. At that young age, it is doubtful that she has even begun to demonstrate a pattern to indicate what kind of wages she could accumulate throughout the years. Attorneys experienced in the personal injury area can help in the making of such calculations and also determining what would be the correct amount of compensation to cover for medical expenses and pain and suffering.

What the above story also demonstrates is the attitude of insurance companies concerning the coverage of such injuries. Insurance companies will incorporate language into policies to avoid liability in the event that a spinal cord injury occurs. Virtually no one can survive the financial blow of such an injury as medical expenses and wage losses will accumulate through an injured party's life. And without insurance coverage, one of the few options left to an injured individual is the hopes of recovering money in court from the responsible party.

Source: Ann Arbor.com, "Insurance company says policy doesn't cover injuries of woman paralyzed at Jenny's Dexter Market," by Lee Higgins, Jan. 19, 2012