Insurance companies seem prepared to make any argument to limit the number of victims who qualify for catastrophic benefits. At least that appears to be the case from the recently reported arbitration decision involving a 53-year-old woman, D.B., (the decision doesn’t reveal the victim’s name) and her insurance company, Economical Mutual. The insurer’s expert also took the bizarre view D.B. ought to have her right leg amputated below the knee and that she’d then no longer require a wheelchair.