Crazymike said:tonyzachary,
I have reviewed my bike club's waiver which is located on the application form. It states in great detail how each cyclist assumes risk.
I have seen in bike clubs that even if a person is not ready to join a club a waiver form is given to the cyclist to sign.
In reality, there is no way for a club to guarantee how each cyclist rides. There is no way a club can guarantee the road conditions, the traffic or animals crossing or charging the peloton. Group rides are social and talking to each other during the ride will happen.
I think if any of you intend on participating in bicycle tours you might also find you will have to sign waivers. If you can not afford to fix your bicycle in a crash that might occur or if you can not afford the medical costs associated with a crash on a tour.... Ride alone. Sorry for being nasty, I did not realize the lack of knowledge of the membership on this website with regards to participating in bicycle tours, club rides or bicycle races.
You are an ASS!