Random question not intended to derail the thread: the USAC members’ insurance only covers injuries incurred in a USAC race, right? I only ask since the guys racing for a living tend to run a lot of non-USAC stuff as well. When I got hurt at Paragon, I was lucky to have great primary coverage through my wife’s work. She had already covered our deductible that year, so it was all at 80/20. The track’s supplemental covered the 20%. All I paid out pocket was under $500 in the end; if I had pushed on co-pay for physical therapy it might have been under $100. All I could think about after the fact was the number of times I strapped in with $0 of my own insurance.