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Only $10 for all 2026 SX, MX, and SMX series.
I was always skeptical of getting it because I figured they would deny my claim if the injury occurred during a race or even when practicing. I race Hare Scrambles and if a serious injury occurred, and I was sent to hospital via the ambulance, I couldn't then claim "I fell of a ladder" or some other made up story.
What is the monthly cost of those with individual Aflac? Please provide the specifics of your plan for reference.
Jason
I think about what " could " happen. And when and if it happens again , I'll just have to deal with it. I've taken my speed and aggression down a few notches and try to work on technique and staying smooth. Don't think there is any other sport in the world that would make me feel as good as riding my bike does. The chances we take.
Mind you, do a bit of trials, and you'll never find much that's very difficult in an average, or even National level Enduro - that's why the best Extreme Enduro riders have, mostly, been high level trials riders.
When it comes to purchasing insurance the most important thing is to be honest up front. People still think they can trick the insurance company (fraud) or that they won't find out the truth but this day in age they will find out.
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Just food for thought, your mileage may vary.
Neither my regular medical insurance, short term disability, nor Aflac ever questioned it. This was with a $166K hospital bill at the University of Alabama Birmingham Hospital (UA
If you ever see a Gurley transit ,not sure the model,but my grandad designed it with all the bubbles tucked inside so you could carry it behind your knees thru coal mines. He was a civil engineer also. We have serial numbers 1&2 of that model.
Its what everyone used during that time.
Idk
I got a sales pitch...errrr presentation by AFLAC a few years ago at work and asked that direct question: "Will I be covered if I am hurt in a motorcycle race?" The rep wasn't 100% positive and made some calls to find the definitive answer: "No, you would not be covered if injured racing." I was also told there was some sort of language in the policy about participation in activities on closed-courses that made it unclear if I would be covered if I got hurt practicing/riding on a race track/track where races are held.
As the "fell off a ladder or slipped on some ice" stories didn't seem like a good option due to the insurance fraud "complications," I passed on the policy because it wouldn't help me for what I do -- racing and practice racing.
Ask AFLAC....maybe something has changed.
Jk, and i don't know. I'm salaried and work in an office so as long as I'm conscious I can do my job. Math skills actually paid off.
Pit Row
Thats about the ones we used,.
Have topcon 303 i think now with an old data collector that came out way back but is so easy to use for our type of work.
We will set up on a ridge top and survey 100 acres from one spot if it runs the ridgelines.
Get a good backsight you can check before each shot because the sun moving twists the tripod legs.
I've been shot at twice,cussed numerous times,had to get deputies escort us. Seen bears,lots of rattlesnakes copperheads.
But the land disputes were the funnest.
2. Get cushy desk job with great benefits (Can also surf vital at will)
3. Ride within your limits (took me a few years to figure this out)
4. Ride tracks that cater to your abilities and have sessions for us old folks. Less of a chance of being landed on.
5. Realize that MX is not the only discipline you can do with a dirt bike. Started doing some woods races over the past couple of years, ton of fun. Not as fast, on the ground more, more time on the bike.
Getting older brings responsibilities. Those never go away no matter how old you get.
I hear Oprah is single again...
*Participating in any sport or activity for wage, compensation or profit, OR racing any type vehicle in an organized event.
*Participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; OR racing any type vehicle in an organized event.
**OR means it is a stand alone exclusion. So the first half has nothing to do with the second. A lot of riders think, "I am amateur and I don't get paid so I am covered..." That would only apply if OR was replaced with AND.
If you have the old plan you can convert to the new one to get the new benefits.
Don't know what you have? Call 1-800-GO-AFLAC - Ask if you have the 35,000 series Accident Indemnity Advantage. Also in some states, there is now a 36,000 series for employers/company benefit's that is also a new option since last year. However, it excludes, racing, sports, semi-pro and pro... So you don't want that one.
If you purchased the new 35,000 series, that above mentioned language has been removed. Motocross riding and racing is covered under this plan, except there is still an exclusion for racing on the 35,000 plan for New Jersey business as stated on the application. [If you reside in New Jersey, and you purchase this plan in a different state, you can get that states plan to include racing. Legally you just have to sign the application, on that state's soil.] So if Nj is where you live you can still get it...
Other than that, the only mention of racing in the new 35,000 plan is in the definitions. They define HAZARDOUS ACTIVITES [racing is mentioned] because the life AD&D insurance specific benefit included in the plan is lower if you are killed while participating in the listed activities as defined. All other benefits pay out like normal.
Furthermore, while the base plan is great to help pay deductibles, and misc expenses, you need medical insurance first. Hopefully, every rider has that... And the disability rider/feature which people have mentioned that protects your paycheck is only available if you purchase the Aflac plan through your Employer. If you want to see the brochures and direct rates, I can email them to you based on the state you select from my site below.
https://www.ridersurance.com/accident-insurance
AkMotoRider To Answer Your Question
Bottom line, it sounds like you are similar to the majority of adults at your age, as was I at 21; paycheck to paycheck, and you just want to go riding and racing. While there are a lot of great answers here, an easy solution to your immediate concern would be to see if you can add an Aflac Accident 35,000 plan to your employee benefits that are payroll deducted from your check. Ask them to add on the disability rider for a few bucks more. You will probably be at less than $10 a week for the accident only package. If you don't have Aflac at work, let me know. Then you can focus on earning more income, putting that safety net bank account in place, and maybe look at investments when the time comes.
Also, this may help you navigate your current employer benefit's to make sure there are no other exclusions in your current plans.
https://www.ridersurance.com/simple-insurance-guide-for-riding-and-racing
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