My Husband Just Broke His Arm, Can I Get Insurance To Cover It? 
Is this a serious question ? Really ? Insurance -LRB- in general -RRB- is designed to protect you and `` put you back in relatively the same place you were BEFORE an event happened -RRB- for UNSEEN incidents . Since the arm is already broken , the event has already taken place ... so , you CAN NOT purchase insurance that would cover the broken arm . Put another way ... would you want to insure your house if the kitchen was on fire ? Of course not . What if a tornado was coming and on the ground ... would you want to insure the mobilehome ? You can buy insurance now to protect his OTHER arm , but , I 'm afraid this one is on you . 