I can tell you from first hand experience how difficult that road is going to be. I live it on a daily basis. Are you a boat owner ? Would you go beneath a boat without first making sure that the engine stops were put in place ? This along with cautionary markings on the throttle and shift controls to alert anyone that may go to the bridge ? Like I said before, this is a terrible tragedy that could have been easily avoided had proper protocol been followed. And as far as the insurance goes, I'm very up on what is required in regards to liability and also workers comp. You have to be able to protect your employees along with yourself. I don't hire subcontractors that don't have the proper liabilty and workers comp insurance in place. I don't just look at a peice of paper that they hand me. I call the carrier and make sure that they are both paid and up to date. I'm sure that you understand that times have been tough for everyone and I can promise you that there are businesses out there operating WITHOUT the proper policies in place due to the rising costs. Also, businesses carry the least amount of insurance that they can get by with as required by law. I carry way over and above where the law requires so that if an accident happens that is caused by me or one of my employees, the other party involved won't have to go thru what I live daily. And there isn't a dollar amount out there that could compensate me for everything I've been thru and face in the future. I can only be thankful that I had my own insurance policy in place when I was hit. The policy that the person who hit me wouldn't have paid my anesthesia bill let alone any of the 13 surgeries that have been performed. Had I not, I wouldn't have been taken to the hospital with the trauma team in house that puts people back together as best they can with what they have to work with. Along with removing appendages that have been damaged beyond repair. Just have to pray that she makes it thru this and find out what exactly happened.