Medical insurance - ZX6R Forum
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post #1 of 15 Old 03-17-2019, 01:33 PM Thread Starter
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Medical insurance

How many of you have medical insurance that covers racing/track days? I'm going to be in the market here pretty soon and I would like to know what I should be looking for or asking the insurance agents when I talk to them. I don't want to get up sold for something I don't need, but I also would like to make sure I'm covered as long as its not going to cost me an arm and a leg. I know this has been over before on a few other threads but I couldn't really get any clear answers.
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post #2 of 15 Old 03-17-2019, 02:13 PM
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Track days shouldn’t be a problem ... it’s considered “rider training” - not competition; I know people who have even used the motorcycle insurance policy for their street bikes when crashing at a trackday (for repairing their bike). It’s going to be the “racing” thing that may be a problem.
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Last edited by Duc995; 03-17-2019 at 02:26 PM.
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post #3 of 15 Old 03-18-2019, 11:10 AM
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My two cents is that I'd talk to an insurance broker. Many insurance companies train their reps to find ways out of not paying out. I'd make sure you get it in writing. A good insurance broker will act on your behalf if anything does happen and the insurance company doesn't want to pay up. For me I just bumped up my regular health insurance. My general rule is that don't track a bike you aren't willing to crash. Keep in mind I'm very new to this arena, this is one of those subjects that I'm not a super expert on.
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post #4 of 15 Old 03-18-2019, 04:41 PM
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Crashing is just a given when racing. And I know of no insurance company that covers competition circumstances, but I am certainly not the last word.

leising is absolutely correct when he said: "... don't track a bike you aren't willing to crash... " That's the reason they make frame, fork, & swingarm sliders. I even use Kawasaki's engine case sliders - I totally swear by them.

https://www.partzilla.com/catalog/ka...y-engine-guard

A dedicated track bike should not be on a track with OEM cowlings! That's why there are vastly less expensive options.

*Also, I would not put any bike of mine on a track (or even street for that matter) without adjustable rearsets with RIGID foot pegs!

Now, with that said, I have used my OEM cowlings during track day/school instances. What's the difference? Track day/schools are purposely not to be competitive. In those situations I never let the 'red mist' take over. I'm not gonna swap paint with another rider. I'm not gonna be as interested with setting my best time. It's just a frame of mind. But should it not be a 'frame of mind thing' anytime one swings their leg over the saddle? But racing is so completely different.
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post #5 of 15 Old 04-26-2019, 04:58 PM
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Crashing is just a given when racing. And I know of no insurance company that covers competition circumstances, but I am certainly not the last word.

leising is absolutely correct when he said: "... don't track a bike you aren't willing to crash... " That's the reason they make frame, fork, & swingarm sliders. I even use Kawasaki's engine case sliders - I totally swear by them.

https://www.partzilla.com/catalog/ka...y-engine-guard

A dedicated track bike should not be on a track with OEM cowlings! That's why there are vastly less expensive options.

*Also, I would not put any bike of mine on a track (or even street for that matter) without adjustable rearsets with RIGID foot pegs!

Now, with that said, I have used my OEM cowlings during track day/school instances. What's the difference? Track day/schools are purposely not to be competitive. In those situations I never let the 'red mist' take over. I'm not gonna swap paint with another rider. I'm not gonna be as interested with setting my best time. It's just a frame of mind. But should it not be a 'frame of mind thing' anytime one swings their leg over the saddle? But racing is so completely different.


Have to ask. Why no flippy flip rear sets? I use them on my 2001, i just installed risers with the OEM rear sets. Whenever I have the bike leaned over the pegs barely touch and they fold nicely when dragging. I feel like the sturdy rear sets would take weight off the tires and risk loosing traction.

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post #6 of 15 Old 04-26-2019, 06:21 PM
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Have to ask. Why no flippy flip rear sets?
They act as a frame slider in a crash, keeping the frame and swingarm off the pavement. At least that's my impression of it...

As for OP, I'm a Canuck so our health system is different but I have the same experience regarding my private health and life insurance. Track days are OK, racing is not.


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post #7 of 15 Old 04-26-2019, 10:45 PM Thread Starter
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As for OP, I'm a Canuck so our health system is different but I have the same experience regarding my private health and life insurance. Track days are OK, racing is not.

Mark
So basically, if I have an accident during a club race and I break an arm or a leg. I'm paying the bills for any expense related to that injury regardless if I have any kind of health insurance?
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post #8 of 15 Old 04-27-2019, 04:57 AM
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So basically, if I have an accident during a club race and I break an arm or a leg. I'm paying the bills for any expense related to that injury regardless if I have any kind of health insurance?
When I had to travel overseas for work, I discovered that injuries would be a problem, beyond life saving measures. Probably similar in most respects to what you are considering.

My insurance company has another business group which markets short term, high risk coverage..... Normal travel, the cost was stupid low for a week in Norway..... Scuba, bungee jumping, high risk activities cost about 3 times as much. On the order of $150 for the duration of the trip.

Can't hurt to ask.

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post #9 of 15 Old 04-27-2019, 09:01 AM
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So basically, if I have an accident during a club race and I break an arm or a leg. I'm paying the bills for any expense related to that injury regardless if I have any kind of health insurance?
If you read your policy there is usually a section on excluded activities and the like. On every one I have had motorcycle racing was listed as an excluded activity. It could give your insurer an excuse to deny coverage. If you talk to them about it you may find they will cover the racing with an additional policy or extended coverage that covers high risk activities.

I can recall life insurance companies refusing to cover someone who rides a street bike but I don't know if that is still done or not. It was an issue for some people on company provided life and disability policies for company executives, I don't think it mattered for the peons.


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post #10 of 15 Old 05-05-2019, 09:21 PM
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Have to ask. Why no flippy flip rear sets? I use them on my 2001, i just installed risers with the OEM rear sets. Whenever I have the bike leaned over the pegs barely touch and they fold nicely when dragging. I feel like the sturdy rear sets would take weight off the tires and risk loosing traction.


Think about an algebraic problem, specifically a quadratic formula. The goal is solve for X. How do you solve it? Equalize the factors on either side of '=' sign. To do this one needs to have a number of points that supply information, be they numbers or variables.

in our case, more the merrier.

X in this case is to keep the plastics, and fluid containing cases off terra firma, right? That's why we invest in any number of items like frame sliders, fork sliders, swingarm sliders and engine case sliders.*If any of you own 2013-'18 636, I swear by Kawasaki's own engine case sliders. The use of rigid mount foot pegs offers one more point of contact that will keep one's Precious off the tarmac, etc. Replacement pegs are vastly cheaper than O.E.M. or aftermarket ABS plastics or carbon/kevlar parts, and your lovely non-O.E. exhaust can.

They are relatively cheap insurance. I'm pretty sure the O.E. use folding pegs to bump up their cowling sales.
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post #11 of 15 Old 06-11-2019, 07:40 PM
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I am currently looking at insurance and motorcycle racing. I read my policy and the exclusions, and then called my provider to go over my policy. Because I couldnt find any exclusions that might apply, and they couldnt either, they seemed content to tell me that I would be covered, and the only way I would be denied is if there was third-party responsibility.

Having said that, they might be able to claim the track or organization as the responsible third party, and because I signed a waiver, they might just tell me to pound sand. Not knowing if you are covered is kinda the worst-case scenario because you either waste a ton of money on supplemental insurance or you chance it and risk all of your financial stability and health for the rest of your life.

Personally, if I knew I wasnt covered for racing, theres no way I would do it. As stated above, people crash when they race. Sometimes youre fine. Sometimes you can spend a house-worth on a tip-over.

Id love to hear from anyone who had a positive or negative experience with insurance and racing.
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post #12 of 15 Old 06-11-2019, 07:55 PM
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This is a common question to ask regarding bike insurance, but as far as health insurance, I guess I never really gave it a thought. Granted I've never had too injuries where I had to go to the hospital or doctor, but when I did, they provided the care needed and insurance paid no questions asked. I wasn't aware of any clauses that say I have to pay out of pocket for everything if I'm injured while racing. I feel like that's BS. If I break an arm, leg, collar bone, etc and have to go to the doctor/hospital and they ask me what happened I'm gonna say "don't worry about it".

As far as I'm aware my health insurance covers a big portion of medical costs, including injuries, with no specification of how those injuries occurred. Nobody wants to get injured, hence they're called accidents. Whether I injure myself in a race or cutting a tree in my yard, why should the doctor or insurance care about which it was? How can they discriminate against certain activities but not others?

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post #13 of 15 Old 06-11-2019, 08:15 PM
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This is a common question to ask regarding bike insurance, but as far as health insurance, I guess I never really gave it a thought. Granted I've never had too injuries where I had to go to the hospital or doctor, but when I did, they provided the care needed and insurance paid no questions asked. I wasn't aware of any clauses that say I have to pay out of pocket for everything if I'm injured while racing. I feel like that's BS. If I break an arm, leg, collar bone, etc and have to go to the doctor/hospital and they ask me what happened I'm gonna say "don't worry about it".

As far as I'm aware my health insurance covers a big portion of medical costs, including injuries, with no specification of how those injuries occurred. Nobody wants to get injured, hence they're called accidents. Whether I injure myself in a race or cutting a tree in my yard, why should the doctor or insurance care about which it was? How can they discriminate against certain activities but not others?
High-risk activities have said name for a reason. Why would your average desk-jockey couch-potato want to pay the same insurance rate as some crazed, accident happy speed junkie motorcycle racer. It is an imbalance, no way around it. I do know of racers who found out the hard way that their health insurance didnt cover racing. Its not BS, its worth doing your homework. As far as whether or not they ask how you were injured, you might not have a say. If you get an ambulance ride, your activity is already in the report.
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post #14 of 15 Old 06-12-2019, 04:26 AM
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High-risk activities have said name for a reason. Why would your average desk-jockey couch-potato want to pay the same insurance rate as some crazed, accident happy speed junkie motorcycle racer. It is an imbalance, no way around it. I do know of racers who found out the hard way that their health insurance didnt cover racing. Its not BS, its worth doing your homework. As far as whether or not they ask how you were injured, you might not have a say. If you get an ambulance ride, your activity is already in the report.
Yeah but that's how insurance works. Everyone pays in, but some people take out a lot more than others. A former boss that I had at my old job was a real heavy user of health insurance despite being a low-risk desk-jockey. He just had a lot of surgeries and various health issues.

Our healthcare/insurance system in this country is so messed up. So you take an ambulance ride to the hospital after a crash because it's an emergency, they get you treated and you make a recovery, and then you get slapped with a 5-digit sum of money that you have to pay completely because the insurance company refuses to pay because you were racing motorcycles?? Most of us wouldn't have that kind of money to pay. I'd tell them to kick rocks..."sorry, I'd love to pay this whole bill, but I can't. Here's $2000, as my max out-of-pocket for the year, and you can fight it out with the insurance company, but that's all I can do".

Earlier this season I had an accident at the track, and I was in a lot of pain, although I had a good idea what it was (ribs...either bruised or cracked). The ambulance came over to check me out and asked if I wanted to go to the hospital. I said no because as soon as they said that, all I could think of was $$$$. You know our healthcare system is bad when people refuse care because of the outrageous costs, even though they need it.

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post #15 of 15 Old 06-12-2019, 05:14 AM
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As I said in my earlier post, high risk activity insurance is available, and can be very short term. Expensive compared to 'normal' everyday insurance, but quite cheap compared to coming out of pocket due to being denied on your generic coverage.

Well worth asking the question, and getting it documented in black and white. If you can't get it in writing, you should consider that a preemptive denial.

Hard to say no, when you've already said yes (contractually)....... very much a horse of a different color when it's ambiguous. If you want to be laying in the hospital racking up bills while the lawyers have lunch dates at a few hundred $/hr., cutting up whatever settlement you may have been entitled to if you win that lawsuit, have at it.

So much simpler when you know the answers to the questions. Guessing is expensive.

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