USAC Insurace for drivers
 

Does USAC provided any insurance for sprint or midget drivers that are injured racing ?
made multiple calls to USAC and never got an answer -
best I can tell is some tracks provide some coverage, but not sure how much that is
there are companies that will insure drives but comes with a high deductible that supposedly the track or USAC will cover - but could never get a straight answer. being helicoptered out of a track is super expensive - who pays for that ?
apparently a big secret until someone is injured -

If you are a USAC member, there is some insurance that comes with that if you get injured. I believe it is spelled out in the members area of their website.

If you are a driver, than go to www.stida.com and get extra insurance through them

Re: USAC Insurace for drivers
 

I was never able to find any insurance information from USAC, either on the website or by phone -
same with the tracks -

If you go to the USAC website under the Schedule/Results tab and select Event Info for any upcoming race it states:

Member insurance is $200,000 excess medical

Re: USAC Insurace for drivers
 

I suggest talking to the right people. They can probably fill you in and connect you with the right people
https://stida.com/

Re: USAC Insurace for drivers
 

What exactly does $200,000 in excess medical mean ?
is there a deductible? - in other words does USAC pay up to $200,000 from day one / expense one or is
the driver on the hook for an amount before the $200,000 kicks in ?

the term excess medical is worrisome- excess what ?

I believe excess medical covers the claim after your primary insurance limit has been exhausted or used up.

Re: USAC Insurace for drivers
 

and if your primary insurance does not cover you while racing or participation in a professional sport -

then the USAC insurance will not cover you ?

so folks drivers are at risk for a financial disaster

Excess medicical means after your primary health insurance limit is met.

Long story short, before you worry about what they're going to pay you better make sure your primary health insurance coverage is right and doesn't exclude any hazardous activities like say auto racing.

Disability insurance is just about as important.

Re: USAC Insurace for drivers
 

Correct - important to know what personal health insurance coverage you have -

the USAC coverage steps in after your personal coverage - up to $200,000 which in a bad situraiton may not be enough

Re: USAC Insurace for drivers
 

Generally, all the tracks are the same way. But you're at their mercy as to what they cover.

In my experience, most were at 50k excess medical.

So in that case, you could have your personal medical, the track's excess, and the series' excess.

Generally the ambulance ride and the helicopter ride are some of the things that you hear about that are excluded. I know a long time ago in my career, we would pass the helmet at intermission to help a guy that had an ambulance ride.

None of this is new. Much like your safety equipment, this is something that you have to consider when you get behind the wheel of a racecar...

Re: USAC Insurace for drivers
 

Or you could slip in the tub, crack your skull and be just as screwed.

Racng's dangerous, but it doesn't hurt to cover as many bases as possible.

Re: USAC Insurace for drivers
 

You ask the same question on this forum back in 2021.
https://www.indianaopenwheel.com/sho...6639&styleid=1

Re: USAC Insurace for drivers
 

One more issue to be worried about is how the police report the accident. I guess, after talking to a friend of mine that was air lifted out of the track multiple years ago. (Non USAC event though) The police do a report on it, I guess at least since the helicopter was called in. Officer wrote it as an auto accident with no vehicle insurance. Instead of an all terrain vehicle/racing accident. Due to that issue, his personal insurance wouldn't cover any expenses including helicopter ride. OUCH.

I can't speak on if police do a report on all accidents where someone is transported out of the track or not. I have no experience with that, due to I was an idiot and refused all medical treatment. Very stupid, especially since I've learned years later that I broke my back, neck and have some brain damage from the swelling. All of which could've possibly been treated if I went to the hospital. What makes all that worse is I had a USAC license and was technically at event, so that would've helped with all the cost. All of forced me to retire from racing in 2023.

Let that be a lesson to everyone that does race. Don't be a stubborn idiot, go get checked out.

Re: USAC Insurace for drivers
 

Racing in general is a financial disaster