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Originally Posted by prudery
While it is correct that the insurance company cuts a check on an insured horse, they can not receive a necropsy on a live horse ...
But they can pay out a mortality check on a live one ..
Confused ??? Not so much ...
Think of a badly damaged horse where euthasia MAY be indicated ...
The horse is considered a TOTAL---like a totalled car --whether it is euthanised or not...
The insurance company thus can pay out on the total loss--so even though the check shows a mortality, the horse MAY be alive, but a total loss ...
Just like the insurance company appropriates a totalled car, they may do this with a totalled horse, and chose to proceed further with its " salvage " or not ...
This was done with Your Host by Lloyd's of London ... Lloyd's took over the rehab and ownership of the horse, after a bad accident that produced multiple fractures, and he recovered to stand at stud and give us Kelso ..
In a sense it was done with Cigar--who was a total loss as far as breeding worth ...
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Ummm, while your analysis is (relatively) correct, you are trying to school someone who actually does this for a living...