Trigger happy umpire leads to overturned forfeit

[wadeintothem]

It is my understanding that an overturned forfeit means insurance will not cover the game.

I'm not sure how this applies to what is essentially a formal protest of the forfeit.

But if you are on the field and call forfeit and get the ole "oh its for the players, we'll be good" and start the game, you start it without insurance.

I could be wrong, that is what I was told.