I was over on the states jumping last year and broke my leg, long story short needed to be plated and screwed and came to approximately $50,000. Insurance company received the bill and looked through and observed they were getting screwed as they knew the real value of each item, said they weren't going to pay that amount and ended up paying about half the original quoted value. A friend was over about 3 months after that and hit a hanger, life support and the works were required, original bill approximately $750,000 actual payout $250,000.