Track Riders - Health Insurance - Chicagoland Sportbikes
Chicagoland Sportbikes
Track Talk This forum is all about discussing riding and setup tips for different types of racetracks. As well as discussion about the local racing scene.

LinkBack Thread Tools Display Modes
post #1 of 10 (permalink) Old 04-13-2007, 12:12 PM Thread Starter
Registered User
Grasshopper's Avatar
Join Date: Sep 2004
Location: PF
Posts: 12,489
Location: PF
Sportbike: Slow
Years Riding: all of them
How you found us: a real person
Track Riders - Health Insurance

To those who do track days and those who race. Does or will your health insurance cover you if you crash and get seriously injured at the race track?

I've thought of this in the past but have just brushed it off. It's a pretty serious thing to think about.

I'm investigating mine rite now.

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

STT Staff
Midwest Division
Grasshopper is offline  
Sponsored Links
post #2 of 10 (permalink) Old 04-13-2007, 12:15 PM
Dirtbiker's Avatar
Join Date: Mar 2004
Location: Somewhere else.
Posts: 6,365
Location: Somewhere else.
Sportbike: Resurrection Built YZ250F, Various European Junk
Years Riding: Yes
How you found us: SBN
I assume so, but if you're in competition it may differ. I'm sure you have to check with your carrier, because some won't cover you at all if you're on a motorcycle.

Wher does one go about buying long and/or short term disability insurance? I'm not asking my employer about Aflak anymore.
Dirtbiker is offline  
post #3 of 10 (permalink) Old 04-13-2007, 12:16 PM
Posts: n/a

Last edited by G2G; 04-13-2007 at 01:26 PM.
Sponsored Links
post #4 of 10 (permalink) Old 04-13-2007, 12:37 PM
Track Whore
Join Date: Sep 2006
Location: Bloomington, IN
Posts: 266
Location: Bloomington, IN
Sportbike: R6
Years Riding: I am slow
How you found us: Wink, Hix, NESBA
mine does, but I work for the govt so it has differnt rules.
Julio Caliente is offline  
post #5 of 10 (permalink) Old 04-13-2007, 01:03 PM
Join Date: Apr 2006
Posts: 4,397
Might want to take that down G2G??
Streaker is offline  
post #6 of 10 (permalink) Old 04-13-2007, 01:17 PM
CLSB's Florida Chapter.
MoparBoyy's Avatar
Join Date: Apr 2004
Location: Apopka, Florida
Posts: 22,652
Location: Apopka, Florida
Sportbike: Ducati
Years Riding: 3 days
How you found us: unemployment office
Send a message via AIM to MoparBoyy
Mine will cover me as long as its not racing for money. my Aflac insurance is the same thing.


1997 Dodge Viper GTS
2013 Dodge Dart Rallye
MoparBoyy is offline  
post #7 of 10 (permalink) Old 04-13-2007, 01:17 PM
Evil Moderatrix
KBOlsen's Avatar
Join Date: Apr 2002
Location: Think corn and pigs. Lots and lots of corn and pigs.
Posts: 8,030
Location: Think corn and pigs. Lots and lots of corn and pigs.
Sportbike: A Big Blue One, a threesome of Sexy Red Ones - and a Happy Yellow One!
Years Riding: Quarter century.
How you found us: I was looking for Jimmy Choo's in my shoe closet.
Send a message via AIM to KBOlsen
Before I went racing, our benefits director and I took a hard look at our policies to make sure I'd be covered (it's good being in HR, LOL). Fortunately, we found no exclusions.

That year, I maxed out my life insurance. If I exploded, at least my mom and nephew (and BF at the time) would have been taken care of.

I would strongly advise against racing or even doing track days without a solid health insurance plan and life insurance.

CCS AM #815 - the cute, fuzzy, yellow, spoiled-rotten half of Team Duc Tape!
I break stuff
Duck, duck, duck, GUZ!
KBOlsen is offline  
post #8 of 10 (permalink) Old 04-13-2007, 01:37 PM
Registered User
Chunk's Avatar
Join Date: Jan 2003
Location: Chicago
Posts: 13,847
Location: Chicago
Sportbike: I don't ride
How you found us: google
there are no exclusions in mine as long as racing isn't a primary source of income for me.
Chunk is offline  
post #9 of 10 (permalink) Old 04-13-2007, 07:13 PM
Retired but still working
Dean's Avatar
Join Date: Jun 2006
Location: Plainfield, IL
Posts: 1,089
Location: Plainfield, IL
Sportbike: 1994 H/D Softail Custom
Years Riding: Long Enough
How you found us: search
Send a message via Yahoo to Dean
Contacted Blue Cross and Blue Shield about the health insurance aspect. As long as it is not a sanctioned event for money or placement, no problem.

However, when I went for additional term Life Insurance, my agent told me to get the policy signed in advance of any track riding. You may want to check into that.


What do the internet and Channel 11 have in common? They are both a window to the world; put it out there and do not be surprised who will see it.
Dean is offline  
post #10 of 10 (permalink) Old 04-13-2007, 07:15 PM
Old bikes RULE! RIDE ONE!
Bill Taborn's Avatar
Join Date: Apr 2003
Location: Clippingtheapex, OH
Posts: 2,854
Location: Clippingtheapex, OH
Sportbike: Aspencade - sold, GSX-R 1000, GSX 600 F - sold, CB 250, DT 100 A, JR 50
Years Riding: since dirt was new and Jesus was a baby
How you found us: Doc, CherryPicker, BFree - The Paddock at Grattan Raceway
Yup, covered by both. It costs more for life insurance but, it's covered.

"For John came neither eating nor drinking, and they say, 'He has a demon.' The Son of Man came eating and drinking, and they say, 'Here is a glutton and a drunkard..."

The first turn is the worst turn, between the left ear and the right one.
Bill Taborn is offline  

Quick Reply

Register Now

In order to be able to post messages on the Chicagoland Sportbikes forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Please enter a password for your user account. Note that passwords are case-sensitive.


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:


Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

For the best viewing experience please update your browser to Google Chrome