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

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.

While the Dolphins will have a new quarterback in Week 3, Tyreek Hill doesn't think it's time for Miami to panic.