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Funnily enough I'm getting the exact opposite messages from health care providers. I just received an offer that if I cycle 50 miles per month (or week) I could save on health insurance premiums. I'm guessing the benefit of being healthy outweighs the potential costs associated with accidents.
I broke my clavicle a couple of years ago which required surgery and there was no issue with insurance, usual forms seeing if they could pin the costs on someone else, but it was my own stupid fault.
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