> No more "I hurt my back" type claims weeks later - unless you said your back hurt at the time, it isn't going to be covered. This would likely lead to an ov

> No more "I hurt my back" type claims weeks later - unless you said your back hurt at the time, it isn't going to be covered. This would likely lead to an overwhelming wave of lawsuits. Soft tissue injuries can often have a delayed onset. Please don't take this the wrong way, but your advice comes across as that of someone who may not have experienced either side of an insurance claim.