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madski
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Post subject: Re: Insurance on the track?  Posted: Tue Jan 26, 2010 9:42 pm |
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| Site Admin |
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Joined: Wed Apr 22, 2009 1:27 pm
Posts: 3474
Current TrackWhore(s): Daytona 675 (track) R1 (street)
Bike/Plate #: 369
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I'm going to double check with my Highmark policy, I may get a supliment. Shit happens and that sort of shit is really expensive if your primary policy weasels out on you.
_________________  Ἢ τὰν ἢ ἐπὶ τᾶς www.WickedRacing.com - Go Fast Parts & Gear for Riders and Their Motorcycles PM me for "TrackWhore" special discounts
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lantry211
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Post subject: Re: Insurance on the track? Posted: Tue Jan 26, 2010 9:47 pm |
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| 'Ho Proper |
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Joined: Thu Sep 10, 2009 5:58 pm
Posts: 243
Location: york, pa
Current TrackWhore(s): 07 R6S
Bike/Plate #: 357
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yea i thought it was high as well. but i would only use this for an emergency. I have health insurance through my dad for everything else.
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fjorn
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Post subject: Re: Insurance on the track? Posted: Tue Jan 26, 2010 9:51 pm |
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| 'Ho Proper |
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Joined: Sun Dec 20, 2009 1:22 am
Posts: 86
Location: Da northland. Yah.
Current TrackWhore(s): '07 R1, '07 YZ450F (MX and 'tard), '05 YZ250F, etc
Bike/Plate #: 914
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I keep asking mine to ensure I'm covered for medical on the track and he keeps saying I am. When I insured both the dirtbikes and the R1, I specifically asked him to make sure it was possible. It took him a few days, but he got all the answer I needed.
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cherry08
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Post subject: Re: Insurance on the track? Posted: Tue Jan 26, 2010 10:35 pm |
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| lil'Ho |
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Joined: Thu Nov 26, 2009 11:18 am
Posts: 9
Location: Amarillo, Tx
Current TrackWhore(s): 2008 Red R1
Bike/Plate #: 0
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aw, I thought it was for the bike  I could care less about me haha I made sure my insurance covers all the stupid crazy crap I get myself into
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fjorn
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Post subject: Re: Insurance on the track? Posted: Tue Jan 26, 2010 10:56 pm |
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| 'Ho Proper |
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Joined: Sun Dec 20, 2009 1:22 am
Posts: 86
Location: Da northland. Yah.
Current TrackWhore(s): '07 R1, '07 YZ450F (MX and 'tard), '05 YZ250F, etc
Bike/Plate #: 914
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It is about the bike, and myself. I have comprehensive on the bikes (no collision as they're all not street legal). However, I only got comp for in case they're lost/stolen/damaged off the track. If it's damage from my own dumb  going down on the track, then I'm paying for it out of pocket. I also made sure that I have a medical rider for in case I get injured while riding. Not all companies have this and most of the ones that do, you have to specifically request it. Even if it's a road legal bike.
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RideorGolf
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Post subject: Re: Insurance on the track? Posted: Thu Jun 03, 2010 7:47 pm |
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| 'Ho Proper |
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Joined: Tue Nov 10, 2009 11:41 pm
Posts: 70
Location: Morris County NJ
Current TrackWhore(s): 06 675 (Track) - 910R-VRSC-FLSTF-FLTR (Street)
Bike/Plate #: 0
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OK - so I'm wondering about Health Ins. coverage.
For example, let's say the following.
Someone get's injured in a track day crash. The bike is not insured as it is for track use only. What is the situation with claims filed against the persons health insurance policy? Can anyone offer an opinion on if these would be covered or how/where to check?
Just wondering.
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fjorn
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Post subject: Re: Insurance on the track? Posted: Sun Jul 11, 2010 11:19 pm |
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| 'Ho Proper |
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Joined: Sun Dec 20, 2009 1:22 am
Posts: 86
Location: Da northland. Yah.
Current TrackWhore(s): '07 R1, '07 YZ450F (MX and 'tard), '05 YZ250F, etc
Bike/Plate #: 914
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RideorGolf wrote: OK - so I'm wondering about Health Ins. coverage.
For example, let's say the following.
Someone get's injured in a track day crash. The bike is not insured as it is for track use only. What is the situation with claims filed against the persons health insurance policy? Can anyone offer an opinion on if these would be covered or how/where to check?
Just wondering. Old post. Sorry, haven't logged in for quite some time. Personal experience is that they called and asked what/where/when/how it happened and if the facility had insurance. When I told them I signed a waiver, they said "Oh, that changes it". This was for my son, and we had an HSA insurance plan with a high deductible when this occurred. I think the breakdown was something like: Hospital bill: $3500, they covered $1000 ($2500 deductible) Ambulance: $2500, they covered all but $65 It could be different if you're racing. But, if you're just doing a trackday, it should be covered. When in doubt, ALWAYS call your insurance company.
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madski
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Post subject: Re: Insurance on the track? Posted: Sun Jul 11, 2010 11:23 pm |
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| Site Admin |
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Joined: Wed Apr 22, 2009 1:27 pm
Posts: 3474
Current TrackWhore(s): Daytona 675 (track) R1 (street)
Bike/Plate #: 369
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Highmark claims that I'm covered - or at least that's what my rep told me. Hope to not find out..
_________________ Ἢ τὰν ἢ ἐπὶ τᾶς www.WickedRacing.com - Go Fast Parts & Gear for Riders and Their Motorcycles PM me for "TrackWhore" special discounts
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