When I read that, what leaps to mind is that they have given themselves the
right to, after the fact, exclude any personal activity that is proven to
be dangerous. Since you'll only be having that conversation (you or your
heirs) after you've conclusively proven that the activity was in fact
dangerous, good luck. I find that, on an anecdotal basis only, the
incidence of death and injury in fishing and recreational snowmobiling is
far greater than club racing of any sort. What I don't have is access to
the population pools that participate in each sport, so no way of knowing
the relative risks involved.
Given that clause, and the references to various forms of racing therein,
I'd simply presume that I was not covered in any way by that policy with
regard to any racing related endeavor, and either get a prior waiver, or
get other insurance.
Brian
At 04:53 PM 2/26/01 -0500, Gary Speckman wrote:
>john.r.hildebrand@us.pwcglobal.com wrote:
>
> > On a last subject, I read that a college linebacker died today after
> > practice. Other sports can also be deadly, but not in such an obvious way.
> > It would also be interesting to figure out how auto racing compares on a
> > per mile basis to driving on the street. Maybe someone on list knows?
> >
>
>This is a subject of interest to me. A few years ago, my employer added the
>following language to our group health/medical plan...(this is a direct quote
>from the plan book)
>
>"No benefits are paid for: (it then lists 53 general exclusions, but I will
>only print #11)
>11. Charges incurred for or in connection with any personal activity or
>recreational activity, including practice or instruction in any such activity,
>but not limited to such activity, that is hazardous or dangerous, such as
>snowmobile racing, drag racing, stock car racing, motorcycle racing,
>demolition
>derby participation, sky diving, bungee jumping, rock or mountain climbing or
>rappelling."
>
>First, this seems awfully discriminatory. Second, since it doesn't
>specifically say "vintage sports car racing" am I safe? Seems pretty vague.
>When I asked my employer about this, the answer was "we will look at this on a
>case by case basis." Not very reassuring.
>
>I would love to be able to present to my Boss with statistics that show the
>risk of injury in "our sport" is less than it is of his....i.e. golf.
>
>Does the VMC, or any other organization have any statistical data on the
>overall safety of our sport?
>
>Gary Speckman
>Plover WI
Brian Evans
Director, Canada
MCI Wholesale Internet Services
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