[Fot] health and accident insurance for race car drivers

robert bownes bownes at seiri.com
Thu Dec 24 11:17:13 MST 2009


Interesting. It would appear that there is a large variation in insurance
out there. This is a question I have specifically asked at every serious
interview for every job I've had since the late 80s (and I've been a
technology job-hopper over the years so it's probably 10 -12 insurance
companies/jobs). Even when I was listed as a 'critical employee/BOD member'
in a few start ups, racing has never been an issue, though piloting a
private aircraft has (I gave that up in the mid 80's, but that's another
story) been mentioned. Nor has riding a motorcycle been an issue.

As a volunteer emergency services provider (Emergency medicine and fire
services), we get some incredible coverage when on duty and when on the way
to/from the stations. And even a pension. (~$50/mo after I turn 65).

Maybe it's just vintage racing guys are too aggressive vs the regular SCCA
crowd ;)

Hope Santa brings you all the racer toys you wanted!
Bob


On Thu, Dec 24, 2009 at 12:44 PM, EDWARD BARNARD
<edwardbarnard at prodigy.net>wrote:

> 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 at austin.rr.com> wrote:
>
>
> From: Bob Kramer <rkramer3 at austin.rr.com>
> Subject: [Fot] health and accident insurance for race car drivers
> To: fot at 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
> You are subscribed as edwardbarnard at prodigy.net
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