OK, Folks - Stupid Question Time

Are there certain injuries that a driver can experience while in competition that the track claims are not covered by their insurance? I ask because I was part of an experience last night that left me a bit confused. I was at a well-known Gulf Coast race facility helping a guy with his winged sprint car, racing with a well-known sanctioning body. During his heat, this driver happened to take a projectile to the eye, breaking the helmet, and busting his eye open just below the brow. He was a little dazed, but finished the heat race and returned to the pits. Some friends summoned the medical crew on site to administer first aid, but they were unable to completely stop the bleeding (actually more of a seep by then). The cut I saw looked like it was definitely going to need a few stitches to close. Anyway, the bleeding finally subsided enough for him to run the B main. After this race the bleeding returned, so he queried the track officials about going to the hospital to have the injury looked at and, according to him, track officials told him that this type of injury is not covered by their track insurance. Not having insurance of his own, he was forced to make the decision to close it up as best he could until he gets home.

Has anyone ever heard of any type of injury experienced by a driver in competition not being covered by the track insurance? Ordinarily, I wouldn't care about this enough to post the questions because the track and sanctioning body are for winged cars, but an off-shoot of this sanctioning body is running real (that is to say non-wing) sprint cars at this same facility next month and we were planning to compete. I do, however, have some concerns about whether or not my driver is covered under the track insurance. We are planning to get coverage through STIDA but, if I understand correctly, this is secondary coverage and STIDA recommends we make sure the track has $15K primary coverage.

Can someone help me understand which injuries are and are not covered by track insurance?

Tim Simmons