Broken legs and ankles heal better if you walk on them within weeks

The pathology for broken collar bones was changing right as I took up mountain biking, and subsequently shattered my collarbone.

It was hotly debated at the hospital, if my specific case should be operated on or not. Each time I had a checkup, one doctor would say "wait and see" while the other was saying "I can't believe we didn't operate on this".

At any rate, the outcome was as good as if they had operated on it, according to the doc anyway. Nice of them to test it out on me!

More related to this though, I have broken both my collarbones, the first time I had little direction and just held my arm still for 2-3 months. It took forever to heal, and my arm atrophied significantly. The second time, similar severity. I was guided through rehab and I was back using my arm within the first month, very little atrophy.

Given the amount of injuries related to mountain biking, is there some specific insurance needed for it? It seems one of those "net-negative for the society activities", like trampolines.

In general, "society" deciding what activities are too dangerous to routinely allow is a really nasty slope. Yes, there's some special insurance offered through private organizations for things like higher altitude mountaineering. But it's not that big a step to rule that any contact sport, for example, should require special insurance. I'm sure the insurance companies wouldn't mind.

I play recreational hockey. All of the rinks around here (and most of the US) require membership to USA Hockey which, among other things, provides some kind of insurance to both the rinks and the players.

https://www.usahockey.com/insurancemanagement