This sounds very disturbing. Anyone else hear about this.
Apparently, Insurance companies can exclude benefits for injuries which occur while engaging in "dangerous activities" (which includes mountain biking) due to proposed Federal regulations that are currently in effect as interim rules. Insurance coverage itself can not be denied.
I'm going to have to look into this more.
How about a rate reduction for engaging in "healthy activities" (Mountain biking!!!)?
See this article for the details: