I realize most people find insurance to be like a fist fight. Depends on the agent.
If you don't tell your coach that you're injured, and then, playing on Saturday, you fuck up, you'll probably not see the A side for awhile.
Same with insurance and your agent. That's why so FREAKING important to disclose everything to the agent. Ergo, you better find someone you can trust.
Simple. Shop it. Don't be afraid to ask questions. Get involved.