Just a footnote - I certainly wish the family well, but, it did trouble me that it's the mindset of today's very fast clubs, since, they often do exceed their skill level...
As mentioned at the start, I learned my lesson a long time ago in the mountains of Virginia - being from Florida, I felt like a novice when it came to riding with cyclists who live and cycle the mountains every week, and, my guess is that this woman just got into a situation that exceeded her skill level and paid the ultimate price...
Hopefully, if the insurance company looks at it that way, they will not contest her parent's claim, and, hopefully others will learn from this tragedy, and, at least will try to be more skilled in cycling mountain roads before attempting rides such as the Six Gap Century...
Glades2