Do you do trackdays without health insurance? - 600RR.net
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View Poll Results: Would you do a trackday without health insurance?
Yes 10 16.39%
No 46 75.41%
Trackday? Never heard of it. Is that after Memorial day? 5 8.20%
Voters: 61. You may not vote on this poll

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post #1 of 48 (permalink) Old 02-10-2009, 03:24 PM Thread Starter
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Do you do trackdays without health insurance?

I found this to be an interesting question, so I made a poll.

I would not do a trackday without HI.



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post #2 of 48 (permalink) Old 02-10-2009, 03:26 PM
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I don't see a poll.

No, I wouldn't either. Too risky. In fact, I should check if my HI covers track days...

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post #3 of 48 (permalink) Old 02-10-2009, 03:33 PM Thread Starter
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Originally Posted by ferax5 View Post
I don't see a poll.

No, I wouldn't either. Too risky. In fact, I should check if my HI covers track days...
You got in while I was creating the poll. That was fast. It is up now.



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post #4 of 48 (permalink) Old 02-10-2009, 03:35 PM
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I would not walk across a street without insurance.!!
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post #5 of 48 (permalink) Old 02-10-2009, 03:49 PM
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My wife and I are both self-employed and health insurance for us is over $800 per month. Catastrophic (which we have) insurance costs us $132 per month. It is cheaper for us to go to the hospital, pay cash, and get a 50% discount as a result. My wife's hysterectomy cost us $1100 without insurance. Why get insurance when there are other options?
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post #6 of 48 (permalink) Old 02-10-2009, 03:59 PM Thread Starter
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Originally Posted by kneedownorlando View Post
My wife and I are both self-employed and health insurance for us is over $800 per month. Catastrophic (which we have) insurance costs us $132 per month. It is cheaper for us to go to the hospital, pay cash, and get a 50% discount as a result. My wife's hysterectomy cost us $1100 without insurance. Why get insurance when there are other options?
Does catastrpohic cover motorcycle accidents?



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post #7 of 48 (permalink) Old 02-10-2009, 04:01 PM
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We have a few guys who race without insurance, and it's absolutely horrible to see what happens to their families when the unthinkable happens. If you have a spouse and children who rely on you to be responsible, having insurance seems like it should be a requirement. If you're single, and a bankruptcy would only really affect you, it's your choice.


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post #8 of 48 (permalink) Old 02-10-2009, 04:02 PM
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Yes. Only stipulation is no organized race or criminal activity. The bill must be more than $5000 also.
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post #9 of 48 (permalink) Old 02-10-2009, 04:03 PM
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An accident in 2003 put me in the hospital for 3 and a half days. Total of the bill plus the ambulnace ride was 47k which insurance took care of. Of course I had to pay my deductable which was nothing compared to total amount.

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post #10 of 48 (permalink) Old 02-10-2009, 04:07 PM
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Quote:
Originally Posted by warrenjrose View Post
We have a few guys who race without insurance, and it's absolutely horrible to see what happens to their families when the unthinkable happens. If you have a spouse and children who rely on you to be responsible, having insurance seems like it should be a requirement. If you're single, and a bankruptcy would only really affect you, it's your choice.
No kids here and my wife is self-sufficient.
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post #11 of 48 (permalink) Old 02-10-2009, 04:08 PM Thread Starter
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That is an interesting policy. Since I rarely use my insurance, that would work well for me. But, it isn't an option with my current employer.



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post #12 of 48 (permalink) Old 02-10-2009, 04:10 PM
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Originally Posted by '03 Double_R View Post
An accident in 2003 put me in the hospital for 3 and a half days. Total of the bill plus the ambulnace ride was 47k which insurance took care of. Of course I had to pay my deductable which was nothing compared to total amount.
Yeah, this sort of thing is exactly what I'm afraid of. Medical costs are insane. I'd hate to have an unexpected helicopter ride without insurance.

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post #13 of 48 (permalink) Old 02-10-2009, 04:29 PM
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Free health care is nice. Most of Europe has it.
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post #14 of 48 (permalink) Old 02-10-2009, 04:43 PM
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If you can afford to race a bike. The cost of health insurance should not be an issue.

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I thought all track day organizations require you to have health insurance.

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post #16 of 48 (permalink) Old 02-10-2009, 04:49 PM Thread Starter
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Quote:
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Free health care is nice. Most of Europe has it.
I suppose that depends on your definition of free.



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post #17 of 48 (permalink) Old 02-10-2009, 04:51 PM
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If you can afford to race a bike. The cost of health insurance should not be an issue.
You would think, however if your self employed, some pre-existing conditions make it nearly impossible, and even if you do get covered racing is normally not.

The AMA does offer a plan. It's limited to 10K or 25K... I'm just thankful I'm covered through work and don't have to worry about it.


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post #18 of 48 (permalink) Old 02-10-2009, 04:53 PM
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Free health care is nice. Most of Europe has it.
Yeah it's a beautiful thing to live in a socialist country!!!

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post #19 of 48 (permalink) Old 02-10-2009, 04:59 PM
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post #20 of 48 (permalink) Old 02-10-2009, 05:18 PM
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post #21 of 48 (permalink) Old 02-10-2009, 05:47 PM
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I was under the impression most trackdays require health insurance...

Or at the very least STRONGLY encourage it.


I wouldn't be out there if I didn't have it. If I get hurt, I'm covered and I get paid time illness from work.

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post #22 of 48 (permalink) Old 02-10-2009, 06:14 PM
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i recently lost my health insurance when i got laid off from work, yet i still do trackdays.
in a few months ill be property of Uncle Sam and will have it again.
so far it hasnt been an issue, tho i just hope i can make it to summer w/o a serious incident. LOL

say you break your arm, its not that bad, but if you need a hospital stay or ambulance/medivac im sure it could get ridiculous.

i dont think its a good idea to partake in trackdays w/o it, but at this point i dont have much choice, other than stay home....
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post #23 of 48 (permalink) Old 02-10-2009, 06:16 PM
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I belong to the lucky europe, just pay your taxes :D
But have a life insurance just in case.

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post #24 of 48 (permalink) Old 02-10-2009, 06:30 PM Thread Starter
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i recently lost my health insurance when i got laid off from work, yet i still do trackdays.
in a few months ill be property of Uncle Sam and will have it again.
so far it hasnt been an issue, tho i just hope i can make it to summer w/o a serious incident. LOL

say you break your arm, its not that bad, but if you need a hospital stay or ambulance/medivac im sure it could get ridiculous.

i dont think its a good idea to partake in trackdays w/o it, but at this point i dont have much choice, other than stay home....
Ahh yes, the power of the dark side is strong young SkyRider



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post #25 of 48 (permalink) Old 02-10-2009, 06:31 PM Thread Starter
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I belong to the lucky europe, just pay your taxes :D
But have a life insurance just in case.
That is a sweet looking bike in your Avatar



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post #26 of 48 (permalink) Old 02-10-2009, 06:39 PM
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I planned a track day and had paid in advance, no refunds. I lost coverage during a job change, but no way was I going to pu$$y out of a paid for track day with a week a$$ excuse like no HI.
The wife had me raise the limits of my life insurance to 500k though. What are ya gonna do ?

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post #27 of 48 (permalink) Old 02-10-2009, 07:27 PM
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Hmmm. I have health insurance (damn bank suckered me in). I have never thought about needing it for trackdays or even racing. Maybe cause the get free health care... But regardless I have it so if I do get hurt and have to be off work they'll pay me 50 bucks a day. better than nothing.

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post #28 of 48 (permalink) Old 02-10-2009, 07:31 PM
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^^^ My friend from Ontario broke his collar bone at Beaver Run near Pittsburg PA and refused treatment. He drove himself home nearly 7 hrs for the free health care. Thats kinda balsy.... Crazy Canadians gotta love em.

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post #29 of 48 (permalink) Old 02-10-2009, 07:46 PM
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lmao JP was it bad

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post #30 of 48 (permalink) Old 02-10-2009, 07:51 PM
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I live in canada,, FREE HEALTH CARE! (High Five)!! no worries ever
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