MotoHouston.com MotoHouston.com
Register Members List Member Map Media Calendar Garage Forum Home Mark Forums Read

Go Back   MotoHouston.com > General Discussion > General Discussion (Moto Related)
Forgot info?

Welcome to MotoHouston.com! You are currently viewing our forums as a guest which gives you limited access to the community. By joining our free community you will have access to great discounts from our sponsors, the ability to post topics, communicate privately with other members, respond to polls, upload content, free email, classifieds, and access many other special features. Registration is fast, simple and absolutely free, join our community!

Register Today!

If you have any problems with the registration process or your account login, please contact us.


Like us on Facebook! Regular shirt GIVEAWAYS and more

Advertisement

Reply
Share This Thread: 
Subscribe to this Thread Thread Tools
Old 05-15-2013, 06:28 PM   #1
Ducsmine
Kyle
 
Join Date: Apr 2013
Location: Houston
Feedback Rating: (0)
Posts: 59

Experience: 10+ years
Trackdays: 10+

Bike(s):
'06 999R Xerox
'05 636 race bike
'76 CB550 cafe


Member Garage





Health insurance and track days

Im looking for an insurance since I am a self employed contract worker. Looking to find insurance that will cover track days and racing. I have heard some companies will deny a claim for getting hurt during a track day or race event. Thanks for any help.
Ducsmine is offline   Reply With Quote
Similar Topics
Thread Thread Starter Forum Replies Last Post
texas track days*ride smart*lone star track days DC_The_Boss Taking it to the Track 57 03-19-2009 10:26 PM
Insurance and Track Days DvlRacer Moto Insurance 18 03-19-2008 02:19 PM
insurance for track days.. speedismo Taking it to the Track 10 08-08-2005 10:30 AM
Advertisement
Old 05-15-2013, 07:30 PM   #2
tustah
Senior Member
 
tustah's Avatar
 
Join Date: Jun 2008
Location: Houston
Feedback Rating: (0)
Posts: 456


Bike(s):
2008 GSX-R750









Sorry, not to hijack your thread, but I also wanted to know if others purchased medical on their motorcycle insurance. Not sure if health insurance through employer covers enough for injury. Thanks!

As for your situation, I searched online and there are yes and no answers with State Farm, depending on how you word it.
tustah is offline   Reply With Quote
Old 05-15-2013, 08:25 PM   #3
FLYIN'DUC
Senior Member
 
FLYIN'DUC's Avatar
 
Join Date: Apr 2007
Location: Cleveland, Texas
Feedback Rating: (7)
Posts: 6,254


Bike(s):
07 Ducati, 99 Busa









I would think track/training days-yes, racing-no
FLYIN'DUC is offline   Reply With Quote
Old 05-15-2013, 09:51 PM   #4
pumpkinHED
Member
 
pumpkinHED's Avatar
 
Join Date: Jan 2012
Feedback Rating: (0)
Posts: 81

Experience: 1-3 months
Trackdays: 1











generally the insurance companies won't cover racing, also referred to as a 'timed event'. track days can be called 'educational' or 'training' events and get covered (as they aren't timed events). read all the fine print though as there are companies that do not cover 'extreme' activities (you have to get them to name what are extreme and what aren't). i think racers might get a separate policy that is made for racers. check on the wera or cmra boards for that.
pumpkinHED is offline   Reply With Quote
Old 05-15-2013, 10:26 PM   #5
pester
Black olives matter
 
pester's Avatar
 
Join Date: Nov 2006
Location: Montgomery cty
Feedback Rating: (12)
Posts: 15,269

Experience: 10+ years
Trackdays: 1

Bike(s):
2007 yamaha fz6
1998 yamaha wr 400 motard



Member Garage





i have texas motorcycle insurance and medical is included in my full coverage,as far as i know track days are covered, because is a school
__________________
Quote:
Originally Posted by honorsdaddy View Post
Technology has insulated the stupid from the rightful consequences of their actions - and exposed the rest of us to the damage they can cause.

Quote:
Originally Posted by 1sickGixxer View Post
nevermind ima bumbass and ill get my wife 2 do it 2nite.
Quote:
Originally Posted by tonyt915 View Post
I know enough Spanish to stick you with a knife cabron
pester is offline   Reply With Quote
Old 05-27-2013, 03:18 PM   #6
smartbuddy
Member
 
Join Date: May 2013
Feedback Rating: (0)
Posts: 1












Never heard of any types of health insurance that will insure you at the day of a race. Most probably because the risk is already there and there's a great chance that you'll be in an accident. So most probably, any insurance company won't allow coverage in that time.
smartbuddy is offline   Reply With Quote
Old 05-27-2013, 04:15 PM   #7
paniro187
Senior Member
 
Join Date: Apr 2005
Feedback Rating: (0)
Posts: 13,466












Lloyds of London will insure anything. Track days are covered racing no. Also aflac covers lost salary due to track day injury
__________________
The urge to save humanity is almost always a false front for the urge to rule.-H. L. Mencken

When you add emotion to any equation, you can't trust the results-Unknown
paniro187 is offline   Reply With Quote
Old 05-27-2013, 05:06 PM   #8
Truckin_Thumper
Senior Member
 
Truckin_Thumper's Avatar
 
Join Date: Oct 2012
Location: Dallas
Feedback Rating: (0)
Posts: 2,054

Experience: 1-3 months
Trackdays: 1

Bike(s):
El Tigre 1050
WR426 Blue Hooligan Motard ---once back together








Track days are "Rider Training", yer GTG.

for now



Wait until the .gov takes over......claim DENIED
Truckin_Thumper is offline   Reply With Quote
Old 05-28-2013, 08:39 AM   #9
Badchev
Slow
 
Badchev's Avatar
 
Join Date: Apr 2009
Location: Here
Feedback Rating: (0)
Posts: 1,350

Experience: 10+ years
Trackdays: 10+

Bike(s):
'01 Bandit









I'm insured with Cigna (employee benefits) and went down a couple of years ago at a track day and nobody with the insurance co ever asked me anything about what I was doing. I was riding my bike and crashed, rider error, weekend in the hospital, 10 days off of work, $20k in bills and my employer & the Ins Co didn't make a big deal of it at all.

The wife and family were a different story.
Badchev is offline   Reply With Quote
Old 05-28-2013, 08:42 AM   #10
craigntx
team ftp
 
craigntx's Avatar
 
Join Date: Feb 2009
Location: ravenite social club
Feedback Rating: (21)
Posts: 4,845

Experience: 10+ years

Bike(s):
all sold, wrecked, or stolen






Quote:
Originally Posted by tustah View Post
Sorry, not to hijack your thread, but I also wanted to know if others purchased medical on their motorcycle insurance. Not sure if health insurance through employer covers enough for injury. Thanks!

As for your situation, I searched online and there are yes and no answers with State Farm, depending on how you word it.
State farm wouldnt sell me pip on a bike.
If you also have a cage covered with them and have pip on that vehicle you would be covered on a bike
__________________
you may hate jerry sandusky but at least he drove slow through school zones
craigntx is offline   Reply With Quote
Old 05-28-2013, 09:26 AM   #11
Solracer
MotoHouston.com Owner.
 
Solracer's Avatar
 
Join Date: Apr 2005
Location: Kemah Area
Feedback Rating: (9)
Posts: 28,865

Experience: 10+ years
Trackdays: 10+

Bike(s):
2006 YZF600R (Street)
2009 Iron 883



Member Garage


I have SF and have PIP on the Harley and the R6

Harley is $4.87/month and the R6 is $0.83/month...... try to figure that one out lol
__________________
Chris
Solracer is offline   Reply With Quote
Old 05-28-2013, 09:41 AM   #12
Pachuco
So fly, I need feathers
 
Pachuco's Avatar
 
Join Date: Mar 2009
Location: Houston (Proper)
Feedback Rating: (6)
Posts: 3,823

Experience: 6 years
Trackdays: 10+

Bike(s):
1098s
S4RS
SC1000
999s
996 sps

Member Garage





Send a message via Yahoo to Pachuco
PM or call me and I will show you. Regardless, racing is not covered. You can get coverage for racing through an association of AMA. You can buy regular medical and a supplement to cover accidents at trackdays through the companies I offer
__________________
Stuntin like Jet Li, boat houses and jet ski's
Pachuco is offline   Reply With Quote
Old 05-28-2013, 10:44 AM   #13
urbanXJ
erect engorged member
 
urbanXJ's Avatar
 
Join Date: Dec 2008
Location: Pearland
Feedback Rating: (0)
Posts: 16,497

Experience: 9 years
Trackdays: 10+

Bike(s):
2008 Versys









"I was out for a sunday ride"

and

"I don't remember exactly where I was, it's all kinda fuzzy...somewehre in texas"
__________________
Quote:
Originally Posted by gixxerbill View Post
"... I say the govt puts something in the water that sterilizes all women..."
urbanXJ is offline   Reply With Quote
Old 05-28-2013, 10:46 AM   #14
Chris_5.0
HalfFast
 
Chris_5.0's Avatar
 
Join Date: Jul 2011
Location: Katy
Feedback Rating: (2)
Posts: 12,385

Experience: 1-3 months

Bike(s):
1999 zx-9r
2005 gsxr 600
xr50r speed demond




Quote:
Originally Posted by Pachuco View Post
PM or call me and I will show you. Regardless, racing is not covered. You can get coverage for racing through an association of AMA. You can buy regular medical and a supplement to cover accidents at trackdays through the companies I offer
How about coverage for the RR cup
__________________
info@halffastgroup.com
Chris_5.0 is online now   Reply With Quote
Old 05-28-2013, 10:51 AM   #15
brandontx
Senior Member
 
Join Date: Nov 2009
Location: Houston
Feedback Rating: (1)
Posts: 4,746

Experience: 1-3 months
Trackdays: 1

Bike(s):
2008 Husqvarna SM 510
2008 Yamaha YZ250F








You can get coverage through companies like AFLAC that covers only physical injury and it doesn't matter if you were racing or tripped off of a curb. I got it through a company that sells it as "extreme sports" insurance and it is $25 a month with $20,000 coverage with $500 deductible. They write you the check. Even if your insurance covers the bills you still get a check. $20,000 will barely cover surgery for a broken bone but it's better than nothing if you get injured racing and denied payment by your primary insurance.
brandontx is offline   Reply With Quote
Old 05-28-2013, 10:57 AM   #16
ArmyApe
In reality, Goliath wins
 
ArmyApe's Avatar
 
Join Date: Apr 2012
Location: Rosenberg
Feedback Rating: (0)
Posts: 977

Experience: 2 years
Trackdays: 1

Bike(s):
2012 Kawasaki ZX10R
2011 Kawasaki ZX6R (sold)



Member Garage





Send a message via Skype™ to ArmyApe
There's that, but also the fact that very few hospitals are willing to touch someone who was injured in a vehicle wreck. I have TriCare and they covered everything, Track Day notwithstanding, but I had to look around to find a hospital willing to work on me.

Not trying to thread jack, but it's another pain to deal with after an injury.
__________________
Now, if there's one thing you can be sure of, it's that nothing is more powerful than a young boy's wish...
Except an Apache helicopter. An Apache helicopter has machine guns AND missiles. It is an unbelievably impressive complement of weaponry, an absolute death machine.
ArmyApe is offline   Reply With Quote
Reply


Thread Tools

Advertisement


All times are GMT -5. The time now is 12:12 PM.


MotoHouston.com is not responsible for the content posted by users.
Privacy Policy