Should the insurance company cover my medical expenses?

I corrected and/or attempted to clarify myself at least twice. Sorry if I'm not privy to terms. Maybe next time you don't understand what an apparent know-nothing like myself is saying, you'll try a little deciphering and asking instead of insisting we DO know nothing and arrive at some other conclusion based on our lack of terminology and/or sequence of procedure. Better, yet, I'll just STFU.
Going back to her issue-is she positive she even signed a waiver that exempts her boyfriend's insurance or did she, as was mentioned elsewhere, sign a waiver exemptying the organizers? . When was the waiver signed? Who presented it? Is the boyfriend's insurance going after the organizers? Can she jump on that bandwagon?

 

You know, I'd feel guilty about calling you out in this thread if it weren't for this little swipe:

followed by this piece of flat-out wrong ditty:

And all of your further confusion of health and liability insurance. I've made a point of treating you in this thread in exactly the same way as you've treated others, even going so far as to loading each page in a separate window so I could flip back and forth to hit just the right note. So if you want respect when you're trying to make an argument, maybe you start by giving it.

Lindy, now I get what you're saying, and that makes a lot more sense to me. My guess is that the club would have some assets worth protecting - even just the personal assets of the directors and officers - and this would be much simpler to insure from that standpoint than the individual drivers. But they wouldn't be covered under that kind of policy. Thanks for clarifying.