They haven't determined yet whether the planes went down because of terrorist attacks - but if they do, the relatives of the victims won’t get a cent because, even though all the passengers were insured, the insurance doesn’t cover death as the result of a terrorist act. If these were "just" accidents, they’ll get some $3,500 for each of their dead.

I know nothing about insurance; I've just heard this on the news. I think this is outrageously unfair: in a country at war, terrorism is as likely as accidents.