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post #1 of 27 (permalink) Old 02-18-2008, 10:56 AM Thread Starter
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Medical Insurance and racing

Any of you racers or hard core track day junkies ever look into your medical insurance and see if you are covered during a crash at the race track? I've heard a few horror stories about people who do have medical insurance but got hurt at the track and were not covered because of the activity participated in.

I thought I was not covered under my Blue Cross / Blue Shield policy. Well I just got the the nerve to call my insurance provider and ask the question because I'm sitting here board at work filling out my CCS/ASRA Competition road race license.

I asked them directly, no bullshit.

"Am I covered during a competition event?"

She said "Yes"

I then repeated the same question and asked "Are you sure?"

She said "Yes, but I will double check with a manager"

And came back saying I am.

FUCKING SWEET!!!!!!!

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post #2 of 27 (permalink) Old 02-18-2008, 11:00 AM
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Quote:
Originally Posted by Grasshopper View Post
Any of you racers or hard core track day junkies ever look into your medical insurance and see if you are covered during a crash at the race track? I've heard a few horror stories about people who do have medical insurance but got hurt at the track and were not covered because of the activity participated in.

I thought I was not covered under my Blue Cross / Blue Shield policy. Well I just got the the nerve to call my insurance provider and ask the question because I'm sitting here board at work filling out my CCS/ASRA Competition road race license.

I asked them directly, no bullshit.

"Am I covered during a competition event?"

She said "Yes"

I then repeated the same question and asked "Are you sure?"

She said "Yes, but I will double check with a manager"

And came back saying I am.

FUCKING SWEET!!!!!!!

Get it in writing, or have them prove to you where it's written in the policy.

"I could tell you I started the Chicago fire, but that doesn't neccesarily make it fucking so." (movie quote)
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post #3 of 27 (permalink) Old 02-18-2008, 11:03 AM Thread Starter
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There is nothing in the policy stating coverage will be denied because of participating in a certain activity. It's like reading a racing rule book. If it doesn't say specifically "You can't do this". Then you can.

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post #4 of 27 (permalink) Old 02-18-2008, 11:05 AM
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I have blue cross blue shield and they payed of 100K worth of bills when i shattered my hip and fractured 3 vert. in my crash during a race at Road America
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post #5 of 27 (permalink) Old 02-18-2008, 11:11 AM
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Same here, Blue Cross / Blue Shield covers me without issue. According to Brandon Parrish, (insurance guy and racer), you have to make sure that racing is not listed under the exclusions section of your policy.

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post #6 of 27 (permalink) Old 02-18-2008, 11:12 AM Thread Starter
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I'm just trying to make sure my ass is covered. Especially with how hard we play road racing, flat tracking and dirt biking. I'm knocking on wood about getting hurt, but knowing I have coverage is a good feeling.

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post #7 of 27 (permalink) Old 02-18-2008, 11:13 AM
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Quote:
Originally Posted by Grasshopper View Post
I'm just trying to make sure my ass is covered. Especially with how hard we play road racing, flat tracking and dirt biking. I'm knocking on wood about getting hurt, but knowing I have coverage is a good feeling.


Yeah good call Nick
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post #8 of 27 (permalink) Old 02-18-2008, 11:13 AM
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post #9 of 27 (permalink) Old 02-18-2008, 11:14 AM
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BCBS here too. They'll cover you!
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post #10 of 27 (permalink) Old 02-18-2008, 11:18 AM Thread Starter
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Originally Posted by Reverend Rice View Post
BCBS here too. They'll cover you!
What up Brian!? Am I going to get a chance to bang handle bars with you this year or what?

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post #11 of 27 (permalink) Old 02-18-2008, 11:27 AM
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Quote:
Originally Posted by Grasshopper View Post
I'm just trying to make sure my ass is covered. Especially with how hard we play road racing, flat tracking and dirt biking. I'm knocking on wood about getting hurt, but knowing I have coverage is a good feeling.
Agreed. I'm even going a step further and purchasing a disability policy that will cover my mortgage in case I break a bone and spend some time on the bench.

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post #12 of 27 (permalink) Old 02-18-2008, 12:52 PM
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This is a good thing to check on. I have BC/BS also, and they covered it when I got asspacked at BHF, but they also did a follow-up audit after it was all said and done. They wanted to know if I had received any sort of compensation or if there was a liable party they could go after. There was not, so that was that, but be prepared for this sort of thing.

Another consideration, however, is long term disability. I was out of work for a month since I work in the trades. Luckily, I set aside money for this sort of thing, so it was fine, but things would have been scary if I was laid up for say, 3 months or more. Also, heaven forbid, what if you had a permanently disabling injury? Not a pretty thought, but something to consider. And sure, you could suffer an injury like that falling down in your shower, but the track thing is inherently more dangerous. Anyway, I checked with State Farm since they are my insurance provider, and coverage was available. I specifically asked about the racing thing, and as long as I'm not a professional or getting paid, I can get a policy. They won't issue one based on my salary, but they will issue a mortgage disability policy which kicks in immediately and pays my house payment for 3 full years; based on my mortgage balance, it runs about 80.00 a month. Not cheap, but this isn't a cheap hobby, and this doesn't come close to covering all the bills, but it's sure as hell better than nothing. Food for thought.

Also, having your life insurance policy in order is a great idea, especially if your married and/ or have kids. Another grim thought, but if you want to cover all your bases, worth considering. There may also be exclusions here, so it's best to ask very specific questions, and, as previously mentioned, get everything in writing. There's my 50/th of a buck...

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post #13 of 27 (permalink) Old 02-18-2008, 12:52 PM
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What up Brian!? Am I going to get a chance to bang handle bars with you this year or what?
I don't have a bike. I need to find one quick but there are none available. Looks like I'm going to sit this year out and order a new Honda for next year.
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post #14 of 27 (permalink) Old 02-18-2008, 12:53 PM
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Ooops. Saw that reply just prior to mine after I posted mine. So what I meant to say was "Ditto".

Quote:
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There will always be a better ride out there. It's not the bike that bends, it's the rider. There is no spoon.
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Yep, still.


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post #15 of 27 (permalink) Old 02-18-2008, 02:36 PM
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Yeah I was in a wheel chair for six months after my accident at the track. Lucky i had some moeny set aside as i am also a union tradesman worker. I did some side jobs to help the income loss while I was laid up. All of it was programming via a lap top.
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post #16 of 27 (permalink) Old 02-18-2008, 03:15 PM
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Quote:
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Yeah I was in a wheel chair for six months after my accident at the track. Lucky i had some moeny set aside as i am also a union tradesman worker. I did some side jobs to help the income loss while I was laid up. All of it was programming via a lap top.
Six months ?! Sheeet.

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post #17 of 27 (permalink) Old 02-18-2008, 03:23 PM
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post #18 of 27 (permalink) Old 02-18-2008, 04:41 PM
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I just called the number on my insurance card. I am very happy to report that I am covered for competition! I have Blue Cross / Blue Shield as well, but I had to call for myself. Thanks for bringing that up, now I know!
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post #19 of 27 (permalink) Old 02-19-2008, 09:56 AM
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Six months ?! Sheeet.
Yep shattering your hip doesnt really heal in 4 to 6 weeks like a broken arm. More like 4 to 6 months. Needless to say I was a little depressed the summer of 2001.
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post #20 of 27 (permalink) Old 02-19-2008, 10:00 AM
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Yep shattering your hip doesnt really heal in 4 to 6 weeks like a broken arm. More like 4 to 6 months. Needless to say I was a little depressed the summer of 2001.
So depressed in fact that he stopped registering his motorcycle plates.....even to this day.

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post #21 of 27 (permalink) Old 02-19-2008, 10:02 AM
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So depressed in fact that he stopped registering his motorcycle plates.....even to this day.

Shhh Actually last year is the first year I rode legal. The GSXR was 100% legal.
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post #22 of 27 (permalink) Old 02-19-2008, 10:17 AM Thread Starter
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Shhh Actually last year is the first year I rode legal. The GSXR was 100% legal.
The machine was legal. But the way it was riden is never legal. LOL!!!!!

Who ya crappin?

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post #23 of 27 (permalink) Old 02-19-2008, 10:28 AM
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Dunno what your talking about
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post #24 of 27 (permalink) Old 02-19-2008, 10:30 AM Thread Starter
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Dunno what your talking about
Who is that crazy bastard that you always let ride your bikes?

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post #25 of 27 (permalink) Old 02-19-2008, 06:12 PM
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Push me out to the road.
LOL +1

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post #26 of 27 (permalink) Old 02-20-2008, 10:59 AM
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Just for reference-

I just started a policy with State Farm for disability coverage. $50 a month gets me $1950 per month payout for any time I'm out of work from 30 days to 3 years. No exclusions for riding, but I'll need to read the exclusions for competition once I have my hands on the policy. The policy they sell is a mortgage coverage policy, meaning they will probably cut a check straight to my mortgage company. Pretty cheap peace of mind IMHO.
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post #27 of 27 (permalink) Old 02-20-2008, 11:05 AM
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Quote:
Originally Posted by G2G View Post
Shhh Actually last year is the first year I rode legal. The GSXR was 100% legal.
Quote:
Originally Posted by Grasshopper View Post
The machine was legal. But the way it was riden is never legal. LOL!!!!!

Who ya crappin?


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