Oh joy. According to a recent Reuters article "Many bone fractures suffered by older patients in car crashes and other high-trauma events may be the result of osteoporosis, rather than the trauma".

I can just see the insurance companies jumping all over this. It was the person's fault their bones broke rather than the car accident 'cause they "let" themselves "get" osteoporosis.

As we get older our bones thin which is a natural aging process so I can't see them saying we let ourselves get it.
You have a point though. They'll probably raise our insurance when we reach a certain age and call us high risk or something! I hate insurance companies!:D