Join Date: Jan 2008
Sportbike: no more riding for me :(
Years Riding: ridin what?
How you found us: I lost a bet, this was my punishment
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!