If you are a Lehigh Wheelmen Association member, and are a "registered participant" (you have signed the LWA rider release form), you are covered through our club policy with Mutual of Omaha. This is summarized below; more detailed information can be found at http://www.amerspec.com/lab/brochure.pdf .
Note that this insurance also applies to any rider who is a "first time invited guest", a non-member participating in their first LWA ride, who has signed the LWA release form for that ride. Also note that your status as a member of the LWA Meetup does not make you a member of the Lehigh Wheelmen Association. To join the LWA, use the Join tab in the main menu.
So why should you care about this? Richard, our membership coordinator, sums it up nicely with his "Tale of Two Crashes". He says:
“April 2011: Unofficial ride with LWA friends. Medical out-of-pocket ~ $2000. No LWA insurance coverage. No reimbursement. September 2015: Official posted LWA ride, signed waiver, etc. Medical out-of-pocket > $1500. Expected LWA insurance reimbursement > $1500.”