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Even with my no possibility of vehicle insurance, as with my little DH mountain bike episode last year the insurance monkeys still called a few times hoping they could stick somebody else with the bill... Asking about where I was riding (Highland MTB park), how well the trail was maintained, could anything have been done differently, etc... I was friendly, but direct and all calls ended easily. Was the trail maintained? Yes. Were there signs indicating the terrain? Yes. Can you describe the trail surface? Well maintained. Anything else?