Every council handles their own insurance, that's why it is an extra charge in addition to the recharter fee (or at least it is here).

I have luckily not had to deal with the BSA insurance issue before (even though I've had to take kids to the hospital from a campout, the parents' insurance has covered all of it or they didn't feel the need to pursue a claim with the BSA). But I do know one family in our council who had a pretty major accident while at a campout and the cost of medical expenses after their insurance paid out was pretty extensive, a couple thousand dollars or more. They had to argue with the council back and forth about it for quite some time to the point where they had to take the council to court.

The interesting story is that after the filed they got a call from the Judge Judy show asking them to come onto their show. They said that the producers told them that they'd pay all the expenses for travel, etc…and that no matter what the judge ruled they'd pay the medical bills. When the family (who actually are two parents who are very dedicated leaders at both the unit and district level) let coucnil know about the offer, suddenly the bills got paid in full within the week. Strange how that works.

The problem is that no matter what the organization or it's purpose, insurance companies are generally all greedy jerks who don't want to pay out any money for anything ever.