[Ed Fernandez]

That policy sounds like excellent coverage UNTIL the insurance underwriters start telling you that this isn't covered and that is covered only after you pay a XXX deductible and then there's a XXX co pay.I hope,for Ken's sake,the policy is as straight forward as it seems.
No one mentioned if he was air lifted out of the track.That's where the $$$ is.It can go into
the 10s of thousands.I have a policy,through the Nat'l Rifle Assoc. that covers alot of
incedentals,including being air lifted in an emergency.It's a scary but comforting thing to have,just in case.
Again,a speedy recovery to Ken.