[Fot] Life, health and accident insurance for race car drivers

[Scott Janzen]

I am told by my life insurance agent that after three years, you are  
grandfathered on life insurance coverage, even if it disallowed  
certain incidents initially.

On Dec 24, 2009, at 5:19 PM, Bill Babcock wrote:

It's a grim truth that even with the kinds of premiums I pay, I am  
uncovered
about 20% of the time. Racing cars, diving, surfing, riding  
motorcycles--all
have exclusions. Both life insurance and health insurance. We adrenalin
junkies are increasingly on our own, even though health care for  
accidents is
a fraction of the cost of end of life care.

On Dec 24, 2009, at 7:44 AM, EDWARD BARNARD wrote:

> Bob: Without starting a heated debate over the plus'/minus' of the now
senate
> passed health care bill, your son's issue is one that is to be  
> addressed.
> Person's like your son and my daughter will be allowed to remain on  
> their
> parents insurance policies while they job search. I am not sure if  
> the law
> will be retro-active when Mr Obama signs it next month.
>
> As for our insurance...I have never had a policy that would cover me  
> during
my
> "dangerous" hobbies without paying a huge premium difference. I was  
> always
> told the vintage racing, skydiving, and private flying were exempt  
> from
> "normal" policies. As far as life insurance...they rate the above
activities
> worst than smoking. I believe only because there are more smokers that
would
> protest. According to them we should die well before others. We all  
> know
that
> a motorcycle rider in a highly populated area has a much greater  
> risk than
any
> of us racing in a controlled sport. There is just fewer of us to  
> complain.
>
> By the way...others activities not covered are death during  
> commission of a
> crime, civil disturbance, or during war.
>
> -Ed-
>
> --- On Thu, 12/24/09, Bob Kramer <rkramer3 at austin.rr.com> wrote:
>
>
> From: Bob Kramer <rkramer3 at austin.rr.com>
> Subject: [Fot] health and accident insurance for race car drivers
> To: fot at autox.team.net
> Date: Thursday, December 24, 2009, 10:52 AM
>
>
> The good news is my son graduated from college and is looking for a  
> job. He
> now has more time to help with the car! The bad news is that he  
> instantly
> gets
> kicked off my health insurance plan. I've been looking for an  
> individual
> health plan to tide him over until he gets a job and we are being  
> told that
> these types of plans do not cover him in case of an on-track  
> incident. I
> haven't seen a discussion of this and now I'm wondering if my own  
> insurance
> even covers me on the track. Has anyone figured this all out? Do the  
> event
> organizers like SVRA and CVAR, or the track themselves have  
> insurance that
> cover the drivers? Any suggestions as to the best approach to cover a
recent
> grad will be much appreciated.
> TIA and Merry Christmas,
> Bob Kramer
> You are subscribed as edwardbarnard at prodigy.net
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