Insurance companies might follow the formula of adding your medical costs (present and future that are accident related)
+ missed time at work + future earning capacity + pain, suffering and inconvenience.
Hi, I don't have any Hilton cards yet and
missed out on the 100k
+ night bonus on account of my own poor
timing and not wanting extra MS while
working on other cards, yet I was still looking
at getting a Hilton card soon.