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Only $10 for all 2024 SX, MX, and SMX series (regularly $30).
I believe it still covers what your normal insurance won't, or something. It's been a long time and I don't remember.
If you don't then you have one ingredient for financial disaster and we all know it isn't IF you get hurt it is WHEN you get hurt and how bad will it be.
The Shop
I was aperfect example of where this should work and it didn;t that was 2000 though, things may have changed.
Obviously having it is a MUST! Usually you get insurance to cover the regular injuries, broken bones and stuff. Nobody actively plans for "the big one". Paying a high risk premium making sure you are covered completely would be thousands of dollars a month. AND you better disclose what you do for a living and pay a high risk policy or they will clip your ass as soon as they find out! lol.
ambulance, helicopter, lots of days in the hospital, surgery, icu, anesthesia, that is just the start and usually you are capped at that point.
Then you have rehab and post accident expenses, not to mention lost income of yourself or family members that have to stop everything to tend to you.
Lots of time you see rides getting help from road to recovery and such. Not all the time is it because the rider did not have insurance. Sit back and think of ALL the expenses that come with a devestating injury.....
I was just kinda wondering about how it all worked. I'm not even sure if my own insurance would cover me in case of the big one. I think people always think it's not going to happen to them but when it does it spells financial ruin, no matter how fiscally sound your investment may be and then there is the flip side of the Bently or the IRA.....
[url]http://www.texashealthinsurancenow.com[/url]
I've heard stories about it never paying anything, however I had good luck with it. In '01 I blew out my knee at Glen Helen Sunday morning. I had just got out of college that month and was kicked off my parents plan...so really I had no primary, the AMA insurance paid 80% of my knee surgery, rehab and brace.
Just before cruising to vitalmx, I purchased insurance through my school, and was reading through the brochure, holy moly the wording they use is something that only a law professor could decipher. I just got kicked off my dad's plan after turning 24, so i had to buck up $750 for 8 monthes of coverage.
once when i was in vegas for the finale i got some kind of virus from the food in the hotel and just to get antiotics and see a doctor(after waiting 6hours) for 3 minutes it was 500 bucks...its absolutly crazy what they charge...my travelinsurance paid...
but i wouldnt ride in the usa...just breaking your arm would kill you financially without insurance...where here it's walk in...wait a little get your cast and be gone
i would be sure to check that...i also have a accidentinsurance that covers everything the german system doesnt cover and pays out some bucks for every day that im in the hospital...
but anyways...id be sure to check that out
Pit Row
In motocross, the families that support these young riders typically put as much as they can into the cost of the sport (equipment, travel costs, etc) to keep their young pilot as well equipped for success as they can afford. And as a result if resource limitation, they generally are underinsured for serious injuries.
When kids become young adults and are no longer eligible for their family's insurance plan, they should get their own individual coverage, and a supplemental accident policy to ber truely covered. The bad news is that will typically run $600 to $1,000 a month ( I could be off here but not by much). Thats a lot of tires, chains and sprockets, so many young professionals just don't get the coverage and risk it.
The next layer of insurance coverage is income replacement. This is a policy available to professionalds that have a consistent earnings source (like a two year factory contract). These policies pay a monthly amount if a rider is injured anc can't ride after 90 days, and then it pays a lump some amount if the rider can not compete for a year or more. This policy is a bit pricy, but worth it to riders that want to insure their income stream will continue.
Find a way to get health insurance, it should be considered part of the cost of riding just like tires and gas.
At the RiderDown Foundation we get requests for help from riders who have crashed almost daily. It is so frustrating to see these cases come in without insurance and yet the family has the toy hauler, multiple bikes, golf carts, all the extras and NO insurance! To me that is not the definition of a responsible rider.
Also maybe I'm a dumbass when it comes to writeoffs, but I just found out from my attorney that surgeries and all medical expenses are deductible. I've had 3 $100k spine surgies in the last 5 years that my accountant said I could not write them off. Balls! Well, now I am obviously re-submiting my taxes for those years.
Maybe the AMA should deduct 5 percent of payouts to go to a better umbrella policy. 15% for Stewart and Reed
15%!!! Plus income tax?? That's universal health care but it ain't cheap.
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