Track Days - Page 2 - ZX6R Forum
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post #16 of 17 Old 08-03-2016, 03:50 PM
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Originally Posted by sbk1198 View Post
Don't you have health insurance that would cover medical costs? I know my auto/motorcycle insurance won't cover a dime if I crash on the track, but anything medical related will be covered by my health insurance.



I guess I can't say i'm 100% sure on any of this as I've never put it to the test, but I happen to break a leg during a crash at the track, the health insurance or doctor don't need to know where or how it happened. "I fell down the stairs" for all they know


Thing is, its hard to tell them you fell down the stairs when you come in a ambulance, knocked out, with full but destroyed gear and a piece of a motorcycle stuck in your leg. Also, there are ambulance and doctors reports, "ambulance staff says the patient have crashed into another bike in approximately 120mph with probable fractures on right arm and legs. Chest is sunken in due to a probable ruptured lung from fractures to most ribs since staff found him under the bike..." A broken leg is expensive to you and me. A 1-5% handicap (pain while moving your hand from a fracture that isn't correctly healed) is expensive for real. And will cost a LOT more, if you are even more unlucky, things become expensive and the insurance company will do what they can to not have to pay up.
I suggest that you do have a look at that insurance.

Vehicle insurances here will first and foremost cover 2:nd man and the customers person. That is the "first step" and most basic insurance, so if I crash into you while you are on your 1199 superleggera and I'm in my car/bike, your bike, you and your passengers health and also mine is insured. Second step covers theft, fire, glass and rescue. Third covers my own vehicle.

It is more or less impossible to find a health insurance that covers track riding here, if they do, they have bad coverage and are expensive.
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Last edited by Enrosabil; 08-03-2016 at 03:52 PM.
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post #17 of 17 Old 08-03-2016, 07:42 PM
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Quote:
Originally Posted by Enrosabil View Post
Thing is, its hard to tell them you fell down the stairs when you come in a ambulance, knocked out, with full but destroyed gear and a piece of a motorcycle stuck in your leg. Also, there are ambulance and doctors reports, "ambulance staff says the patient have crashed into another bike in approximately 120mph with probable fractures on right arm and legs. Chest is sunken in due to a probable ruptured lung from fractures to most ribs since staff found him under the bike..." A broken leg is expensive to you and me. A 1-5% handicap (pain while moving your hand from a fracture that isn't correctly healed) is expensive for real. And will cost a LOT more, if you are even more unlucky, things become expensive and the insurance company will do what they can to not have to pay up.
I suggest that you do have a look at that insurance.

Vehicle insurances here will first and foremost cover 2:nd man and the customers person. That is the "first step" and most basic insurance, so if I crash into you while you are on your 1199 superleggera and I'm in my car/bike, your bike, you and your passengers health and also mine is insured. Second step covers theft, fire, glass and rescue. Third covers my own vehicle.

It is more or less impossible to find a health insurance that covers track riding here, if they do, they have bad coverage and are expensive.
That's a good point. In a severe case like that when you get taken via ambulance, they're going to know what happened. I guess I was thinking more about the less severe cases where you broke a wrist, collar bone, ankle, etc. and you go to the hospital on your own, not via ambulance.

But still...now I'm curious what my policy says about stuff like that. I'll admit, I have not read the fine print. I've been fortunate so far that since I've been on my own health insurance in the last 5-6 years, I have only been to the doctor once or twice and it was for check-ups. Never had any injuries that required medical attention (knock on wood)

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