Bob: Without starting a heated debate over the plus'/minus' of the now senate
passed health care bill, your son's issue is one that is to be addressed.
Person's like your son and my daughter will be allowed to remain on their
parents insurance policies while they job search. I am not sure if the law
will be retro-active when Mr Obama signs it next month.
As for our insurance...I have never had a policy that would cover me during my
"dangerous" hobbies without paying a huge premium difference. I was always
told the vintage racing, skydiving, and private flying were exempt from
"normal" policies. As far as life insurance...they rate the above activities
worst than smoking. I believe only because there are more smokers that would
protest. According to them we should die well before others. We all know that
a motorcycle rider in a highly populated area has a much greater risk than any
of us racing in a controlled sport. There is just fewer of us to complain.
By the way...others activities not covered are death during commission of a
crime, civil disturbance, or during war.
-Ed-
--- On Thu, 12/24/09, Bob Kramer <rkramer3@austin.rr.com> wrote:
From: Bob Kramer <rkramer3@austin.rr.com>
Subject: [Fot] health and accident insurance for race car drivers
To: fot@autox.team.net
Date: Thursday, December 24, 2009, 10:52 AM
The good news is my son graduated from college and is looking for a job. He
now has more time to help with the car! The bad news is that he instantly
gets
kicked off my health insurance plan. I've been looking for an individual
health plan to tide him over until he gets a job and we are being told that
these types of plans do not cover him in case of an on-track incident. I
haven't seen a discussion of this and now I'm wondering if my own insurance
even covers me on the track. Has anyone figured this all out? Do the event
organizers like SVRA and CVAR, or the track themselves have insurance that
cover the drivers? Any suggestions as to the best approach to cover a recent
grad will be much appreciated.
TIA and Merry Christmas,
Bob Kramer
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