Chiming in a little late here but as I read further up the thread...the insurance is cheap and well worth it. I think we're paying about $58 each for a 7-day.
Also, John SA, I think the whole point is that if NCL did give a credit for this unfortunate event it would have come out of MY pocket as well as yours. I don't think that I should pay for something that was clearly the fault of a driver on I95!
Also, regarding NCL customer service...2 cruises under our belts, calls to the Latitudes line and other contacts with customer service and I'll tell you this. On the Dawn in 04 we had a crew member in the casino (of all places) that was borderline rude. I chalked it up to a bad day and sure enough, the next evening she more than made up for it...we all have bad days!
Bon Voyage Everyone!