Charles might not have firsthand knowledge, but I do. USAC's insurance if you are injured is the best you will find anywhere and worth every penny of the membership fee. I was injured at the Belleville nationals and spent the night in the hospital there. All of the expenses (ambulance, E.R., doctors, hospital expenses, CT scans, MRI's, etc.) were all covered 100%. I never paid a dime for any of it and no one ever even asked for my personal health insurance along the way. USAC's insurance paid it all. I'm sure the bills would have amounted to well over $15,000 based on what I've seen for other family members bills from other things. I'm am so glad that I had their coverage and would tell anyone and everyone that the smartest money they could ever spend would be on the USAC membership with the insurance.