accident insurance for racing

[dads400ex]

Anybody know of any insurance that we can get to cover you when you are racing? I had motomed and they lost there carrier:grr: Need to find some quick before our next race, I have searched the internet with no luck. My insurance through work has an exclusion for racing.

Thanks.

[Atkins]

I dont think many, if any, insurance companies will cover you for racing, its too risky for them. If they did it would cost a hell of a lot of money on your end.

[660LE]

isn't that why you sign a waiver before riding/racing a track?

[Atkins]

Originally posted by 660LE
isn't that why you sign a waiver before riding/racing a track? That is just to keep the track itself not liable for any injuries or damage to your bike sustained while there.

[kawasaki_ridah]

doubt it, but it would prob be cheaper in the long run if you didn't have it, and paid for your accidents yourself.

[gbcap]

my insurance will cover me during a race. unless there is a specific exclusion they have to cover you.

[lil400exman]

Originally posted by kawasaki_ridah
doubt it, but it would prob be cheaper in the long run if you didn't have it, and paid for your accidents yourself.

thats a line of bull bro. My surgery costs for my leg alone cost me over 32,000 dollars. Hospital stay for 7 days almost equaled that. Then the 6months of physical therapy which cost 15,000 some dollars.

pay for it yourself? HAH!:p

[red2004 TRX450R]

Originally posted by kawasaki_ridah
doubt it, but it would prob be cheaper in the long run if you didn't have it, and paid for your accidents yourself.

Do you know what it cost to lay in intensive care for over 2 weeks? DO you know what a neuro surgery cost? Do you know how much a helicopter ride cost?

I do!!!!! been there done that!!! :eek2:

Thats is one reason I am not racing this year no insurance!!!

[xcracer416]

i have it through american general, the only exclusion is if you race for money. i went for some xrays and emergency room stay and only paid 75 bucks for all of it. even though i race pro for money in my series they dont know that. when i sent my bill to my insurance agent he asked me if i was racing for money and i said im not skilled enough to race the pro guys.

[PismoLocal]

Doesnt health insurance cover surgury and things of that sort? You guys that are buying Race insurance should look into a health insurance policy through your work.

a lot of ins policies through employers have exclusions for racing.

[PismoLocal]

ooooohhh

[AtvMxRider]

Don't tell them you were racing.

[4trax250x81]

One of the first questions my insurance company asked me was: Do you particpate in any type of extreme activities? So in other words my insurance company doesnt cover anyrthing fun;)

[4trax250x81]

Originally posted by AtvMxRider
Don't tell them you were racing.

That doesnt work, they dont just pay for it without asking questions and lots of them!

[Atkins]

Wait, is he talking about bike insurance or what???? Im confused.

My insurance covers racing, if it didnt Id be screwed. When I compressed my vertibrae at a track last year, I spent 3 days in the hospital and it ran my insurance upwards of $19,000. I wouldve been screwed without it, and alot of tracks require it.

[dads400ex]

I am needing just accidental medical insurance. My health insurance thru work has a claus in it that it will not cover you if you are involved in ANY type of motorized racing. I do not want to take a chance with not getting covered if I should have a mishap or if either of my boys got hurt as we all three race. I had motomed but they pulled there policies on racing. There must be something out there with all of the racers out there.