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I suppose if they wanted you to get extra coverage for voluntarily increasing your risk of injury they might be able to get a premium from you. Enforcing it would be expensive and tricky.
ICD-10 codes are specific but not that specific "Pedal cycle rider injured in collision with other pedal cycle"
Your ER notes may mention that you were in a race if it was provided during a short report but i'm not sure the insurance company would have access to those records.
They would have to investigate the claim and i doubt they would.
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