Track Day - No Insurance Coverage - Chicagoland Sportbikes
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post #1 of 49 (permalink) Old 10-08-2011, 11:14 AM Thread Starter
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Track Day - No Insurance Coverage

I had a nasty low-side crash at ACC in Joliet during the summer that resulted in an ambulance transport and 3 days in the hospital. I ended up with some broken bones, but nothing that hasn't healed completely.

Because I had health insurance coverage through Blue Cross/Blue Shield, I presumed that my medical bills (over $40,000) would be covered. Unfortunately, my claims were DENIED. I was recently informed by the administrator that my plan excludes motorcycle-related accidents because motorcycle riding is "an unusual and hazardous hobby".

I'm writing this post for three reason:

1. I'd like to hear from any other riders who have run into this problem

2. Encourage each of you to take the time to look at your insurance coverage to (both motorcycle and health insurance) to make sure you don't get blind sided like I did and

3. See if anybody knows about any 'riding-specific' policies that might be available. If I can't find one - my track days are over.
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post #2 of 49 (permalink) Old 10-08-2011, 11:47 AM
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No fucking shit!? I'd fight that. Tell them you were taking a school / class and not racing. Stress that you were not racing stress that it was Not a competition. Wow, I'm truely shocked. So if you crash your bike on the street they still won't cover it? I call bullshit.

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post #3 of 49 (permalink) Old 10-08-2011, 12:11 PM

 
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I can help.

Our health insurance policies that we offer cover you for trackdays...but NOT racing. The stipulation is that if there is any compensation paid for doing it, it won't be covered (ie...sponsorship, contingency, etc).

Peter Katowicz
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Bloomingdale, IL 60108
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Benjamin Franklin - “It is a strange anomaly that men should be careful to insure their houses, their ships, and their merchandise, and yet neglect to insure their lives”.
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post #4 of 49 (permalink) Old 10-08-2011, 12:20 PM
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Was it because the amount? I crashed at BHF and broke my wrist and they covered it (blue cross). Like Nick said, tell them that it was not a race. Probably someone at the hospital said you crashed at a race track,i.e. You were racing. Post up the results since I am sure many people here have blue cross. Scary stuff........
insurance companies, the only companies that punish you when you use them but are quiet when you pay and do not make claims.

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post #5 of 49 (permalink) Old 10-08-2011, 12:21 PM
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ya i have never heard of insurance never covering it due to a trackday, racing is a whole other ball of wax.

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post #6 of 49 (permalink) Old 10-08-2011, 12:23 PM
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You definitely need to be very explicit if you want to be covered, even to the point of getting written approval for each track/event/organization that you will be participating in. Sometimes they will consider ANYTHING held on a closed course non public racing course to be considered RACING. Did you tell them there is no start, no finish, no winner, and you are just doing endless laps for fun? Good luck with it, sounds like you will Tnatting it up soon though.
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post #7 of 49 (permalink) Old 10-08-2011, 01:03 PM
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Quote:
Originally Posted by Bamboo View Post
I had a nasty low-side crash at ACC in Joliet during the summer that resulted in an ambulance transport and 3 days in the hospital. I ended up with some broken bones, but nothing that hasn't healed completely.

Because I had health insurance coverage through Blue Cross/Blue Shield, I presumed that my medical bills (over $40,000) would be covered. Unfortunately, my claims were DENIED. I was recently informed by the administrator that my plan excludes motorcycle-related accidents because motorcycle riding is "an unusual and hazardous hobby".

I'm writing this post for three reason:

1. I'd like to hear from any other riders who have run into this problem

2. Encourage each of you to take the time to look at your insurance coverage to (both motorcycle and health insurance) to make sure you don't get blind sided like I did and

3. See if anybody knows about any 'riding-specific' policies that might be available. If I can't find one - my track days are over.

Read through your policy. have a highlighter handy for you to highlight key areas. Find exactly where it says it excludes motorcycling. If it dose not specify motorcycling, then fight it. They have specific exclusions for wars, acts of terrorism, and nuclear accidents/attacks. If they go through that much detail on other exclusions, then it should be simple to find where motorcycles are excluded. If not, like I said, Fight it. $40k is worth court to get the INS to pay.

My policy(s) all exclude any motorized racing. But I had a crash back in march in Florida that required a hospital trip and all I had to pay was my co-pay.Everything else was covered. I have United Health Care. But I also knew when asked where and how the crash happened I never specified a race track or track at all, always that it happened on private property. IE not on public roads. I also never mentioned the word "race" or "racetrack" ever in the entire process. Even if I did, how i describe it, and what it actually is should work out in the end for the INS co. to pay. Even if you said racetrack, you were not racing, at most you were at a skills enhancement clinic.

Good luck with this, and if that isn't enough, lawyer up.

Corey aka: phkz24
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post #8 of 49 (permalink) Old 10-08-2011, 02:25 PM

 
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I fell in the back yard...............just saying...........

CCS race official
sold the track bike
too slow to ride

"Repairs end December 31. 2011."

OK, it was a tough day.....back open again!!!
Bring me your broken down machines.

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post #9 of 49 (permalink) Old 10-08-2011, 03:45 PM
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Same with me, I have BCBS. My policy reads competition, racing, etc, are not covered. Track ie learning/instructional is covered. Insurance will deny anything they can. Ask for an Explenation of Benifits, exactially why you were denied (page number, etc in your book) and go from there. Good luck.
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post #10 of 49 (permalink) Old 10-08-2011, 04:28 PM
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Subscribed to this one. I have Blue Cross / Blue Shield as well. I read the policy carefully, and there was not even an exclusion for competition. I have not had to use it for any track injury, but I'm interested in how you end up getting this settled.
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post #11 of 49 (permalink) Old 10-08-2011, 05:39 PM
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this is more than retarded. does your plan actually say motorcycle accidents arnt covered? ive never heard anything like this. people get hurt all the time riding.

"Why are all these people here? There are too many people on this earth. We need a new plague…"

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I agree completely with Steve (nouseforaname)
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post #12 of 49 (permalink) Old 10-08-2011, 06:04 PM
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Talk to Kegger as I know he has a rider on his policy that covers thus kind of shit

Like others said, fight it and tell them it was NOT a race but an instructional day - There was no compensation to be earned and you were riding, not racing

Good luck and keep us posted - I too have BCBS so I am anxious to see your outcome

"Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming WOW, what a RIDE !!"
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post #13 of 49 (permalink) Old 10-08-2011, 06:23 PM
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Ed, I dont have a health insurance rider for the track, its covered as long as its a trackday, not sanctioned competition. What I do have is a separate AFLAC accident policy (not a rider)that covers helicopter rides and some other kinda rare but expensive eventualities.

"When in doubt, use full throttle. It may not improve your situation, but it will end the suspense."
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post #14 of 49 (permalink) Old 10-08-2011, 06:28 PM
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Quote:
Originally Posted by Kegger View Post
Ed, I dont have a health insurance rider for the track, its covered as long as its a trackday, not sanctioned competition. What I do have is a separate AFLAC accident policy (not a rider)that covers helicopter rides and some other kinda rare but expensive eventualities.
Well, uh, yeah, um, that's what I meant.....that

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post #15 of 49 (permalink) Old 10-08-2011, 06:31 PM
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Plan for the worst, hope for the best.

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post #16 of 49 (permalink) Old 10-08-2011, 06:38 PM
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i have bcbs i asked them about riding mx they said np. they said only certain shit isnt covered like sky diving , barrel riding waterfalls, planking, etc

"Why are all these people here? There are too many people on this earth. We need a new plague…"

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I agree completely with Steve (nouseforaname)
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post #17 of 49 (permalink) Old 10-08-2011, 08:03 PM
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I talked to BCBS last year and asked specifically upfront if I would be covered during a competition event and they said yes.

I'm going to call and ask again and get something in writing. If I'm not covered I'm buying coverage. 40 grand in hospital bills would set my poor ass back quite a bit.

"I pity the poor people who don't ride motorcycles"
-Malcolm Smith, champion motorcycle racer

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post #18 of 49 (permalink) Old 10-08-2011, 08:03 PM
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If you indeed have an exclusion for riding motorcycles, there is a guy on the WERA forum that offers racer health riders. He may be able to help. Do a search on WERA for racer insurance.

But I'd fight this up through the appeals process. You were not in competition, and motorcycling isn't any more hazardous than lots of other hobbies. There are hundreds of thousands of motorcycles titled and licensed in the US. It's hardly unusual.

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post #19 of 49 (permalink) Old 10-08-2011, 09:20 PM
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Sounds to me like they are trying to blow you off. I have had similar experiences with united healthcare where they say well we don't feel it was an emergency. If anything call them and ask the low level guy what would have to happen for it to be covered. They don't really care because all they do is have to check boxes. Sadly, nowadays it seems like standard procedure is deny and hope they don't appeal it.

Good luck man
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post #20 of 49 (permalink) Old 10-08-2011, 09:35 PM
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This is a sad story. You have to fight back and you should get lawyer cause u win this one and more. I am not sure if you were tracking your street bike or if you have a track bike but What about motorcycle policy if it was your street bike? They should cover some if good cover. Good luck

RR1000
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post #21 of 49 (permalink) Old 10-08-2011, 09:39 PM

 
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Quote:
Originally Posted by Grasshopper View Post
I talked to BCBS last year and asked specifically upfront if I would be covered during a competition event and they said yes.

I'm going to call and ask again and get something in writing. If I'm not covered I'm buying coverage. 40 grand in hospital bills would set my poor ass back quite a bit.
Right, you might have to move that Aprillia out of the dining room........

CCS race official
sold the track bike
too slow to ride

"Repairs end December 31. 2011."

OK, it was a tough day.....back open again!!!
Bring me your broken down machines.

Butch @ 630-777-0273

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post #22 of 49 (permalink) Old 10-08-2011, 09:54 PM
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Quote:
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Sadly, nowadays it seems like standard procedure is deny and hope they don't appeal it.

Good luck man
This

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post #23 of 49 (permalink) Old 10-09-2011, 12:22 AM
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Theres a member on the CCS board who does racer insurance. Brandon Parrish at RiderSurance.com

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post #24 of 49 (permalink) Old 10-09-2011, 05:07 PM
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as many have said, search your policy and find in the print where it says this, if it doesn't then talk to your agent, i know my policy will cover me at a trackday as it is not a "timed event" it was a big reason why i did not race ccs, now i know that some will cover during a race, but i guess it all depends on how or what happened. I hope everything works out for you as $40k is a swift kick in the dick

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post #25 of 49 (permalink) Old 10-09-2011, 06:05 PM
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BCBS has covered my trackday oops.
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post #26 of 49 (permalink) Old 10-09-2011, 08:56 PM
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coverage

Many insurance companies deny coverage for 'timed events', meaning a race. Track days are not timed events and should be covered. Go over your policy with a fine tooth comb, make an anonymous inquiry to the BCBS help line, find out the details regarding motorcycles and your plan. As a last resort contact the AMA, they might be able to give you some direction/muscle, they are big on fighting coverage denials. Good luck!
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post #27 of 49 (permalink) Old 10-09-2011, 10:05 PM
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I didn't read everything above, but have fought and won with the INS a few times. First call and ask for an appeal, they have a process, each company is different. Some want it in writing, others will do it over the phone. Get a name and extention or employee number of who you spoke to, and document the time, date, and info about the convo. Keep records of EVERY call. You never know when they will need to pull a phone recording to verify what you have been told. (trust me on this one) If they refuse again, appeal again. In the mean time call the hospital and explain that you are in an appeals process and ask them to delay billing you for 30 days. (or however long the insurance states the appeal will take) Most places will do this no problem, but you have to be proactive. If you wait until you are in collections it will be too late. Also ask them to resubmit, without the words RACE, or Competition, etc in their notes.

Be prepared to submit a print out of the trackday process, whatever track org should have a basic rundown of a standard trackday on hand. It just needs to state that they are not compensated events, and there are no winners or losers. It should also state that there are control riders on the track TEACHING on every session.

Be aware that you will probably be denied again. If you are, after 3 appeals you are intitled to a state board review. Ask for this. Sometimes just asking for the state review will make the Ins company cover you, to a. shut you up, b. not have all the fees of the review. and c. they know that a good chunk of reviews go in favor of the Insured.

I was told that I had a snowballs chance in hell of having somthing covered. I did the above and it was covered 100%. Let me know if I can be of any help. I'm great at preparing appeals. Just shoot me a PM on here or email me piercedqt78 at gmail.com

I don't ride, I cook!
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post #28 of 49 (permalink) Old 10-09-2011, 10:37 PM
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Are you an AMA member? AND...even if you're not I would urge you to make them aware of this. The AMA has been spearheading the drive to put an end to this type of discrimination for quite some time. Just last Friday I was at the headquarters in Ohio during the AMA Congress that formulates racing rules and each year there is a report about government issues. The question about recent developements on this issue came up and the reply from staff was they needed examples of this discrimination to bring to members of Congress and Senators.
It's easy to contact a Government Relations specialist at the AMA...just call 1-800-AMA-JOIN, dial 0 when the recorded message answers and when the operator comes on ask to speak to someone in Government relations about health insurance discrimination. The information about your situation could be very helpful in putting an end to this discrimination for everyone!
Let me know how it goes down when you call.
Good luck with your appeal.

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post #29 of 49 (permalink) Old 10-10-2011, 07:59 AM
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I would contact your insurance company and see if it was just a simple mistake, or just a comuter doing the denail. You would be amazed at the number of claims that never see human hands. Sometimes just calling and explaining what you were doing will clear it up.

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post #30 of 49 (permalink) Old 10-10-2011, 09:40 AM

 
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I used Brandon Parish. He's at http://ridersurance.com/
They specifically work with policies that cover racing and competition. Mine is normal health insurance, not an add on that covers everything.

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