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You would be shocked at what they don't cover. Obviously if he policy says it won't cover you if you are doing something that is one thing, but in some cases they will find reasons not to pay.
Case in point. A friend of mine's 12 year old daughter went out riding her bike with her friends. She, at the insistence of her mom, had her helmet one when she left the house, but she took it off down the street because she wanted to be cool. She crashed the bike, hit her head on the curb and fractured her skull. She had to have two surgeries, spent a lot of time in intensive care and had about 9 months of rehab after. Luckily she made a full recovery. Total medical cost was more than $450,000. The insurance company refused to pay. When asked why they said that the town they live in has a mandate that all kids under the age of 16 must wear a helmet while riding a bike. Since she didn't have hers on she was breaking the law and they don't cover anything you do while breaking the law.
They are still fighting the case. It is looking like they might win, but you never know.
Insurance companies are scum. . .sadly, however, it is the system we have.
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