Track Riders - Health Insurance - Chicagoland Sportbikes
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post #1 of 10 (permalink) Old 04-13-2007, 11:12 AM Thread Starter
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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

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post #2 of 10 (permalink) Old 04-13-2007, 11:15 AM
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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.
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post #3 of 10 (permalink) Old 04-13-2007, 11:16 AM
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Last edited by G2G; 04-13-2007 at 12:26 PM.
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post #4 of 10 (permalink) Old 04-13-2007, 11:37 AM
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mine does, but I work for the govt so it has differnt rules.
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post #5 of 10 (permalink) Old 04-13-2007, 12:03 PM
 
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Might want to take that down G2G??
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post #6 of 10 (permalink) Old 04-13-2007, 12:17 PM
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Mine will cover me as long as its not racing for money. my Aflac insurance is the same thing.

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post #7 of 10 (permalink) Old 04-13-2007, 12:17 PM
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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.

Kim
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post #8 of 10 (permalink) Old 04-13-2007, 12:37 PM
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there are no exclusions in mine as long as racing isn't a primary source of income for me.
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post #9 of 10 (permalink) Old 04-13-2007, 06:13 PM
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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.

Dean

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post #10 of 10 (permalink) Old 04-13-2007, 06:15 PM
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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..."

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