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Old 07-25-2011, 12:49 PM   #1
ivancuriel
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Medical insurance question.

I have heard from many people that if you go down and seriously injure yourself on a motorcycle either racing or at a track day, some insurance companies will try to not cover you, since it is considered "high risk" and an extreme sport.

Anyone went down before and really hurt themselves and had to battle with their insurance companies? I did some research online but I'm here asking for personal experiences. Thanks
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Old 07-25-2011, 12:58 PM   #2
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That sounds really dumb.
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Old 07-25-2011, 01:00 PM   #3
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That sounds really dumb.
Thanks for your completely pointless contribution. If someone would chime in with helpful information id appreciate it. Thanks.
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Old 07-25-2011, 01:02 PM   #4
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How old are you? It sounds pretty dumb that you would think that they would not be covered.
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Old 07-25-2011, 01:05 PM   #5
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Ignore gabriel. Its a very good question to ask. I spoke with my insurance company about this and I was assured that I would be covered. I wouldn't put it to be beneath them to try and weasel their way out of it though...
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Old 07-25-2011, 01:07 PM   #6
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How old are you? It sounds pretty dumb that you would think that they would not be covered.
What sounds dumb to me is the fact that you asked for my age, as if it had any significance in the matter.
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Old 07-25-2011, 01:07 PM   #7
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Ignore gabriel. Its a very good question to ask. I spoke with my insurance company about this and I was assured that I would be covered. I wouldn't put it to be beneath them to try and weasel their way out of it though...
Thanks
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Old 07-25-2011, 01:13 PM   #8
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Quote:
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What sounds dumb to me is the fact that you asked for my age, as if it had any significance in the matter.
Stupid question so I figured it was from someone that has not been around long enough or someone that did not have common sense.
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Old 07-25-2011, 01:15 PM   #9
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I hurt myself while riding dirtbikes at 3 palms, and my health insurance said that they would not cover it because i was on a closed competition course. I was not racing, or competing. I ended up getting a little break from the hospital and the diagnostic center where I got my MRI, since I was not being covered by insurance. Either way, I still am in pain every day, and cannot use my shoulder through it's full range because of it.

shut up John.
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Old 07-25-2011, 01:18 PM   #10
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Quote:
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I hurt myself while riding dirtbikes at 3 palms, and my health insurance said that they would not cover it because i was on a closed competition course. I was not racing, or competing. I ended up getting a little break from the hospital and the diagnostic center where I got my MRI, since I was not being covered by insurance. Either way, I still am in pain every day, and cannot use my shoulder through it's full range because of it.

shut up John.
You are going to get humped tonight! I think you want a spankin.
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Old 07-25-2011, 01:32 PM   #11
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There are some medical insurance companies that do not cover ANY type of "extreme" sports such as skydiving or motorcycle riding (even on the street). We usually hear about it from "employer provided" policies. Best thing to do is read your policy carefully.

On another forum a member said that Progressive also has a new provision in their motorcycle coverage policy that forbids any "closed course event of any kind" which would include trackdays or even an ERC for that matter.
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Old 07-25-2011, 01:44 PM   #12
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You are going to get humped tonight! I think you want a spankin.
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Old 07-25-2011, 01:47 PM   #13
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Feisty! I like when you play hard to get.
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Old 07-25-2011, 03:30 PM   #14
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Read your policy. In it there are exclusions listed. If closed course riding, or similar language, is excluded then you aren't covered. My good but expensive policy only excluded my flying a small airplane.
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Old 07-25-2011, 03:32 PM   #15
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Quote:
Originally Posted by texasyankee View Post
Read your policy. In it there are exclusions listed. If closed course riding, or similar language, is excluded then you aren't covered. My good but expensive policy only excluded my flying a small airplane.
You gotta read your policy, but if you want to pm me your current company, I can pretty much tell you what your certificate says on whether its covered or not
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Old 07-25-2011, 03:54 PM   #16
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read anything on your policy that looks like this...------

we are here to you! we will try our best to NOT cover anything you do on your motorcycle and hope you were able to ready this..

I wanted smaller letters but we dont have any...
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Old 07-25-2011, 04:28 PM   #17
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Quote:
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You gotta read your policy, but if you want to pm me your current company, I can pretty much tell you what your certificate says on whether its covered or not
Blue cross PPO. I'm supposedly even covered for racing.
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Old 07-25-2011, 08:53 PM   #18
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My insurance is Blue Cross Blue sheild and when I had my accident they covered 80% but gave me a hard time about everything including the $11,325 Airlife ride to the hospital. Even though all together it cost me about $60,000 in medical charges they covered 80% of it all. Of course I told them I hit a deer.
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Old 07-25-2011, 09:08 PM   #19
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guessing the deer didn't happen to be in the middle of a racetrack..
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Old 07-25-2011, 09:25 PM   #20
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My insurance is Blue Cross Blue sheild and when I had my accident they covered 80% but gave me a hard time about everything including the $11,325 Airlife ride to the hospital. Even though all together it cost me about $60,000 in medical charges they covered 80% of it all. Of course I told them I hit a deer.
I've never liked the idea of lying, but to save me from a $50,000+ medical bill I wouldn't think twice. But wouldn't the life flight take you to the hospital and tell them what happened?

Thanks everyone for their input. I plan to attend as many track days possible next year and get my CMRA License, but I know I may have some accidents on the way there, I just hope my insurance covers me. I have a feeling if I keep going back for the same reason, they might drop me or stop covering me for those accidents. I will have to talk to them. I'm with Aetna health insurance.

Last edited by ivancuriel; 07-25-2011 at 09:28 PM.
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