[Coleus]

Their insurance stinks anyway, I know someone who broke his arm and two years later he is still having problems with payments. It required surgery and therapy and the BSA's insurance doesn't want to pay for everything.

[RonF]

The BSA's insurance is not supposed to pay for everything. It's supplemental; it's supposed to pay for what your own insurance won't pay for. And from what you describe, it's not clear whether we're talking about liability insurance or health insurance, which is a whole different issue.