Safety net for uninsured mountain bikers

The latest issue of IMBA's Singletrack News had a link to an accident-insurance program done in partnership with Adventure Advocates. It's a low-cost insurance policy that pays some of your bills if you get into an accident (whether MTBing or something else).

The webpage about the program notes, "For those currently without health insurance, this coverage is critically important."

Seems like every year I read about mountain bikers -- especially guys in their 20s -- who get in some horrible MTB accident and then their friends do fund-raisers to pay off the medical bills because they're uninsured. It's those guys who live to ride and can't afford health insurance who should consider something like this. (I have no connection to Adventure Advocates.)

Programs like this seem like a smart bet. The IMBA policy has a limit of $25,000 per accident, so don't crash too badly!