A Sailor getting injured might have insurance or he/she might not have anything at all as I think would be the most likely. Ship owners and managers have a long tradition of saving money on the neck of the Sailor. Some companies are much better than others and it would be your (the Sailor’s) responsibility to find out what situation you are getting into before signing the work-contract. I would love to know what the big law firms are doing with this kind of lawsuits. How do the sailor find these law firms that can take up the issue like the Jones Act. I know that Long Shore Men Unions all over the place has been helping out with legal fees and also have made certain issues driven home to the ship owners or managers in ways that has brought quick settlement of account. This has not always been injury cases but also cases where sailors have not been paid for long periods of time. Sometime even cases where the ship are not providing any food for the sailors or if they do, it’s not sufficient.
It is hard to believe that some shipping companies still in this day and age are getting away with this kind of abuse of the Sailor but it is happening. These ships are worth a lot of money and you would think that companies operating them would be able to pay their sailors food and also look after their medical needs while onboard.