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In NC, part of our registration fee covers supplemental insurance. My Blue Cross would pay first, then the state association's coverage would pay secondary. I finally went ahead this year and obtained disability insurance through my employee's association as I've got about 10 years left for retirement.
I would check with my state association to see if insurance is provided or can be obtained.
Chances of getting seriously hurt are few. U takes the most licks. On the wing, most of your shots will be to the legs. Proper positioning will aid you in not getting hit or at least hard. Only injury I've ever sustained as a white hat was from winding the clock too hard. BJ's can pull a hammy if they don't stretch well.
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