That's more than likely due to two facts I believe the law demands, despite any waivers (despite what postings above say re waivers as overall coverage); and the two facts are 1) there must be proven negligence by the person(s) being sued and 2) the injury caused is due to the negligence. I think this is correct; but what the hey, I could be wrong (itís been known to happen).
Originally Posted by Chutney Daftcraft
"Set me free" "There are two freedoms: The false where a man is free to do what he likes; and the true where a man is free to do what he ought." -Charles Kingsley