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Old 07-25-2011, 09:39 PM   #21
NitroHonda
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Quote:
Originally Posted by ivancuriel View Post
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.
It's a tough spot to be in but insurance fraud involves prison time. Tread very carefully there. It sounds as if you have time to get your insurance issues sorted out.

mytxmotorcycleinsurance.com is VERY track friendly if Aetna does not work out. Give them a shot.
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Old 07-25-2011, 10:44 PM   #22
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just dont pay the bill.... thats what most people do....
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Old 07-26-2011, 07:36 AM   #23
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Quote:
Originally Posted by ivancuriel View Post
What sounds dumb to me is the fact that you asked for my age, as if it had any significance in the matter.
What sounds dumber is than in your 1.5 years and 137 posts as a member of this forum you haven't figured out that no amount of you being an is going to gaurantee that every reply to a thread is going to be on topic.
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Old 07-26-2011, 07:55 AM   #24
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Quote:
Originally Posted by NitroHonda View Post
Blue cross PPO. I'm supposedly even covered for racing.
if you say so, BC is notorious for not covering a sanctioned race. If they pay out, you don't get covered for a race. Just saying, and good luck
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Old 07-26-2011, 08:15 AM   #25
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Quote:
Originally Posted by Pachuco View Post
if you say so, BC is notorious for not covering a sanctioned race. If they pay out, you don't get covered for a race. Just saying, and good luck
Just saying and good luck? What? Is this what my certificate says or you just giving an opinion?
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Old 07-26-2011, 09:20 PM   #26
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Aetna covered my shoulder explosion. They did grill me about any related parties to try to go after. They went as far as to contact the TD organisation. In the end, it came to nothing and they paid........
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Old 07-26-2011, 09:45 PM   #27
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My insurance policy that was provide by my college had a whole bunch of exclusions. It didn't cover accidents that happened while playing sports, under the influence of alcohol, riding an all terrain vehicle, or a vehicle with TWO wheels. Looks like it covered nothing. Insurance was a waste for me. I need surgery for my knee, I talk to a very experienced doctor and he gave me a total of 6500 for EVERYTHING if I paid cash. I decided to go through insurance thinking it would be cost effective. First of all you need to go through the insurance doctor. My doctor didn't seem to confident, even in himself. Then after paying my 20% is still got stuck with a 8k medical bill. 25k just for renting a room in the hospital!!!! I told them I couldn't pay and it got reduced, but still I should have paid cash. Maybe my knee wouldn't still be in pain now if I had. Hope this helps.
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Old 07-28-2011, 03:20 PM   #28
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Quote:
Originally Posted by Challen View Post
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.
thats one of the reasons I went with them
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Old 07-28-2011, 05:48 PM   #29
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Mine has been good about covering my life flight, surgeries, etc. My deductible is a bit higher, $3k, but they cover 100% after that. I just told them it was an off road accident. No different than getting hurt riding your quad at deer camp.
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