J. Matt wrote:
1. what the hell does this have to do with bike racing?

Who?

2. if she was working legally, she should be covered by workman's comp
or, as an independent contracter in a high-risk job, have enough sense
to carry some sort of insurance.

Why?

3. all that said, hope she recovers to tag again.

When?

Damn, I never got to use "Where" and "What"...