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Has this been mentioned yet?
If these insurance companies are losing money, why the hell are they not out there fighting for Liability waivers to mean something again?
Its a tale as old as time. See a need, create a solution, make money. If someone can make a dollar on it, they will. I dont believe these "woe is me" stories from insurance companies
We were able to offer riders air even policies for around $200, they are no longer offered at any price. The spot insurance was $10, then $30. I'm not sure what it will cost or even if it will be available this upcoming seasons. I was told both were losing money efforts.
A few things. There's going to be tons of brokers that say "Oh we can get motocross track insurance". They are all going to shop you to the same providers. I know of tracks with "Insurance" that won't do them any good if anything actually happens.
Some states have it written into law that you cannot sue for risks that are inherent to the activity. A risk inherent to the activity is something that the participant expects or something that he or she is aware of. For example, risks inherent to football are concussions or sprained ankles. A risk inherent to baseball is being hit by a pitch.
If you think it’s woe is me - try getting home owners ins without a drone surveying your roof… why do you think you can’t get insurance if your roof is a certain age? Why are they prorating roof coverage? Hell getting home ins in parts of FL is damn near impossible and shelter is critical to people. Ins Cos will continue to pull back from risk.
My race promoter is pulling certain SM posts because the carrier bird dogs the page.
SM crash post's are just more fuel for the fire - and grow exponentially daily…
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Though I do agree some jumps/obstacles at a lot of mx tracks are getting pretty big for amateur mx racers. For me personally, the injuries I have had in the last several years have all been due to ruts and or corners. I'd personally rather see tracks get ripped not as deep, less deep ruts to twist knees and break legs, etc. But none the less dirt bikes/mx is what it is, dangerous no matter what. People need to live up to the contract/wavier they signed.
I agree that making it about oneself is narcissistic. I’m not that interested in anyone’s stories. You can cherry pick stories to support almost anything. I maybe should have kept mine to myself. My objection to the Canadian system is that it’s slow and inefficient. My objection to the American system is that it’s predatory and exploitative. The latter is worse, in my opinion. I’m not advocating for government owned and controlled healthcare. Universal is an ideal and universal and pubtic are not synonymous. That’s why I said that some sort of hybrid is probably best.
We have government car insurance here in Saskatchewan (literally called Saskatchewan Government Insurance) and it’s complete fucking communism.
Lolz!!
Canada might not be perfect but my MIL is from there. Every time I go there to visit they mention how they can’t believe people in the US go bankrupt due to medical issues. They had no complaints about the system and they have dealt with some serious issues (cancer with one, serious fishing accident with another) and no stories about delayed coverage or other issues. I’ll take their first hand word over people in the us that have “heard about” the issues up there. Curious if the people that love the US system if they have something other that a company sponsored plan? People are tied to a job because they can’t leave due to the unknown of what would happen with their insurance. People can’t start a small business unless a spouse has a company sponsored plan. Thankfully I have good insurance through my work, but it also limits my options for when I can retire.
Almost everything people complain about would happen with universal HC is either not true or you can work around it.
"Recreational Use Statutes". Protects the landowners and employees from most lawsuits, including negligence. As long as they don't do something with the intent of causing injury, they are generally safe from lawsuits. IANAL, so take everything with a grain of salt.
Prudential made 18% return on revenue last year, that's a return companies in other industries can only dream of...
I saw on the otmx site 4 guys got hauled away at Perris yesterday when somehow the 2nd gate got dropped early and they collided with the first gate. I haven't seen the latest layout but I guess the track crosses itself after the start somewhere. Hope lawyers don't get involved in this one cause they'll be fucked with a capital F. Praying for those involved, there's no other details posted yet.
I was at that race yesterday and saw the entire thing. The current perris layout has the people taking off from the start cross the track and then loop back around and cross where they just came from. Gate 1 took off and as they were coming around for whatever reason the gate operator dropped the gate for gate #2. Both classes of riders collided into each other full speed. 3 were very seriously hurt and taken away in ambulances. Im unsure how many others went to the hospital but it was a nightmare of a scene. bikes and people laying all over the ground.
in my 30 years of amateur racing ive seen a few track layouts in so.cal where the start crosses the track or does this kind of loop but its not common and the gate operator always makes sure that the first gate of riders is well into the track and there is zero chance of the two groups of riders colliding. I cant speak as to why or how the second gate was dropped allowing this to happen. if the second gate dropped 10 seconds earlier or later it might have been a near miss or maybe 1 or 2 guys get tangled up but the timing of the gate drop meant the two groups of riders collided at the exact same time where the start crosses the track. There was a track person doing the 30 second board and a track person operating the gate. Did these people do their job and check the track clearly before dropping the gate? did the gate malfunction and drop prematurely?
you can say what you want about other situations and crashes where riders whisky throttle or make dumb mistakes but this incident was 100% not the fault of any of the riders. I'm sharing this information purely to state some facts about the events before rumors and speculation start going. Many many people watched the start of this race and these events unfold as it was the very first moto of the day and one of the faster more experienced skill groups for the club. I have no opinions about any legal matters that may or may not come of this, i have opinions like the rest of you about frivolous lawsuits and riders accepting personal responsibility when riding at a track. But what I and many other people witnessed was a horrific scene that was 100% preventable.
Faawwk.... I found out it was the master / expert class. The names of the injured guys are on the otmx site in any of you have friends in that class. What a mess. Hoping for full recoveries for all involved. 😞
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