Cargo, they were only examples of how a claim may be made and what brings a person to make a claim. Were you ever put in a position that you could not pay your bills through an accident or were you covered by your employer.

Why do you and other riders have to take out insurance before you can race.
What does it cover.
How many times have we witnessed race bikes taking a public road back after a breakdown, are they insured and if so by who.

If the insurance that riders or clubs take out covers nothing then why have it.

Ive also heard of a case recently in Ireland where a rider is threatening to take legal action out on another rider after they came together.

At the end of the day as I said in my first post, pay the man, at least it would show that Road Racing takes care of its own. It would also get better press thab what its getting now.