Hanaki wrote:
pick6 wrote:
I have a young wife I wanted to make sure the race was insured. Plenty of reasons to make that call. .
Not sure what having a young wife has to do with you racing. Hopefully you have life, disabilty and health insurance. What would happen if you were out training and were in an accident? What if you were in an accident driving to the race? Plus their coverage is only after you file a claim with your insurance company and you pay a deductlbe and it may not even cover it.
Actually quite a lot.
MOST personal insurance coverage is suspect when engaged in the activity of RACING.
If you go out and get hit while on a training ride, your level of responsibility for risk is much less than when actively engaged in a race. As a former motorcycle rider who did many track days and races, part of the understand was my medical coverage, just as my insurance coverage on my bike for the most part became at risk and void when competing.
Must insurance companies won't toss you out, but technically, since racing is an at risk activity, in most cases they are really under no obligation to pay out.