So...
More recently the NCAA allowed schools to use the SAF (Student Assistance Fund) to purchase the insurance for the athlete, but SAF money is ...
That means if Duke chose to allocate some of its SAF money to provide insurance, they could. That insurance runs $40-$60K.
if, by chance, the school has used its SAF, it CANNOT use other money. This is one of the elements of the Alston v. NCAA case, saying there is no...
But if he is hurt enough to damage his future, he *may* be insured. It just depends on whether chose to use a sliver of it's total money that the NCAA lets them use.