Final answer:
Without specific policy details, we cannot determine the exact amount the insurance company would pay to the soccer player; however, insurance payouts typically depend on the terms of the individual's policy. The concept of adverse selection highlighted in the scenario with the drivers reflects the challenges insurance companies face in setting premiums based on average risks, which might not account for individual circumstances.
Step-by-step explanation:
The question involves a professional soccer player who can no longer play due to injuries and has been awarded $3,000,000 by the court. This question is largely theoretical since it doesn't provide specific information about the insurance policy the soccer player might have or the conditions set within that policy. However, the scenario given about the 100 drivers deals with how insurance companies calculate premiums and potential payouts, which involves risk assessment and the concept of adverse selection in the insurance market.
Usually, the amount an insurance company will pay is based on the specific terms of the policy that the insured party holds. If, for example, the insurance policy covered career-ending injuries for a professional athlete and the company is liable for that $3,000,000 settlement, then the insurance company would pay out the full amount, assuming the settlement doesn't exceed policy limits and there are no applicable deductibles or clauses that might reduce the payout. In the broader context of insurance markets and adverse selection, companies must balance the premiums collected with the expected payouts, which can be complicated when risks are not evenly distributed or fully known.