None of this matters if Tua is cleared to play. If he’s not cleared, however, the Dolphins will owe every penny of the guaranteed money — possibly if not probably with no insurance money to refund the cash or to secure salary-cap credits.

The Miami Dolphins have a $49.3 million insurance policy on quarterback Tua Tagovailoa, according to a copy of his contract reportedly obtained by ESPN's

The Miami Dolphins will be without quarterback Tua Tagovailoa for at least four games after he was placed on the team's injured reserve Tuesday. With a return for Tagovailoa not possible until a Week 8 game against the Arizona Cardinals on Oct.