Health Insurance

Halfast816
Edited Date/Time 7/13/2012 10:49am
Why doesn't some enterprising agent figure out how to supply catastrophic supplemental insurance to racers of all levels. Use the mass numbers to achieve an acceptable rate on a group deal and make sure athletes are covered whenever they are participating in a motorcycle related activity. Would costs be prohibitive? I mean sure it is a high risk sport yet as supplemental it wouldn't be on the hook for the other big money diseases the customer may incur. It would pay for whatever your normal insurance doesn't pick up , with motocross that would probably be everything. Yet the insurance wouldn't assume the daily risk of just living......Would it be possible for say under a grand a year depending how much out of pocket you are willing to pay before insurance kicks in?
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Wandell
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Wandell 7/12/2012 8:20am
7/12/2012 8:20am
It's a personal decision. Some riders carry health insurance, but some don't. They all have the option, but I guess it's just like you and I, the cost is probably ridiculous. And there are so many agents with different riders that they probably couldn't form much of a "group". Maybe that would be something that the AMA should look into. A group discount for every AMA rider, whether pro or amateur. A lot of the top amateur (like AC, the Bell's, Webb, etc) would probably be interested.
Torco1
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Torco1 7/12/2012 8:33am
7/12/2012 8:33am
I have supplemental insurance that I got just because of riding. My regular health insurance (Health Net) is surprisingly good to begin with, I've had lots of injuries, surgeries......even had to be airlifted to a hospital once and I've never had to pay anything more than a small co-pay. My supplemental insurance is only like $18 a month or so and they know that I ride and race and that I have all of these past injuries. It pays out damn good to, you get a list of what each injury will pay you.
For example say you beak your leg and have to go to the hospital and have surgery. You'll get paid for the broken leg, the ambulance ride, the surgery, the hospital stay and anything else that might be included. You can end up getting thousands of dollars for getting hurt and since my primary insurance pretty much pays for everything as it is, I get to keep the extra money from the supplemental insurance. You basically get paid for getting hurt.
Halfast816 7/12/2012 8:49am
7/12/2012 8:49am
Exactly what I was thinking. In my time off from MX I have traveled all around with my daughter's fastpitch team. They are insured through the organization they play for. The total cost per girl comes to about ten bucks a year. They are covered at games, practice, fundraising, events, traveling to and from tournaments. I don't expect the cost to be that low with moto yet if one agent could put togehter say 500 riders in an area they should be able to come up with something reasonable. Say something under the cost of a four stroke exhaust....
Personal responsibility is thrown out the window when the desicion comes back to bite them for their indescression. No insurance incredible debt, I just don't think fundraising and charity of other riders is an acceptable plan. Nor do I believe mandating insurance be required, I'm searching for a way to make the cost reasonable so the option is more desirable.
Halfast816 7/12/2012 8:51am
7/12/2012 8:51am
Torco do you go through an agent or is that something you found on your own?

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Torco1
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Torco1 7/12/2012 9:22am
7/12/2012 9:22am
Halfast816 wrote:
Torco do you go through an agent or is that something you found on your own?
It was something offered through my work through an agent. I believe the company is Colonial Life and anybody can set up a policy through them. They will cover you even though them know you are riding/ racing dirtbikes.......as long as you aren't racing for money. Other than that, they will honor all injuries associated with motorcycles. It's well worth a couple hundred bucks a year.
PFitzG38
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PFitzG38 7/12/2012 1:24pm
7/12/2012 1:24pm Edited Date/Time 7/12/2012 1:48pm
Halfast816 wrote:
Why doesn't some enterprising agent figure out how to supply catastrophic supplemental insurance to racers of all levels. Use the mass numbers to achieve an acceptable...
Why doesn't some enterprising agent figure out how to supply catastrophic supplemental insurance to racers of all levels. Use the mass numbers to achieve an acceptable rate on a group deal and make sure athletes are covered whenever they are participating in a motorcycle related activity. Would costs be prohibitive? I mean sure it is a high risk sport yet as supplemental it wouldn't be on the hook for the other big money diseases the customer may incur. It would pay for whatever your normal insurance doesn't pick up , with motocross that would probably be everything. Yet the insurance wouldn't assume the daily risk of just living......Would it be possible for say under a grand a year depending how much out of pocket you are willing to pay before insurance kicks in?
No need to shop around, Brandon Parrish is your guy. www.RiderSurance.com
I've used him and have referred 2 friends to him as well. He specializes in Moto insurance and is a racer himself. Remember premiums will b the same no matter where you go. You just need to find someone knowledgable. Call Brandon!

Support those that support the sport.
newmann
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newmann 7/12/2012 1:58pm
7/12/2012 1:58pm
As PFitz suggested in his post, just do a search here on Vital for ridersurance and a bunch of posts will come up.
ti473
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ti473 7/12/2012 5:15pm
7/12/2012 5:15pm
PFitzG38 wrote:
No need to shop around, Brandon Parrish is your guy. www.RiderSurance.com I've used him and have referred 2 friends to him as well. He specializes in...
No need to shop around, Brandon Parrish is your guy. www.RiderSurance.com
I've used him and have referred 2 friends to him as well. He specializes in Moto insurance and is a racer himself. Remember premiums will b the same no matter where you go. You just need to find someone knowledgable. Call Brandon!

Support those that support the sport.
what he said! I never had insurance and he made the whole process smooth as butter.
dboivin
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dboivin 7/12/2012 5:49pm
7/12/2012 5:49pm Edited Date/Time 7/12/2012 5:50pm
i actually remember the posts about it...thanks for re-posting this question as it spurred me to check into it more. just got an email back from Brandon (ridersurance) almost immediately. i requested my info not to be shared with other services like most form website trying to sell you insurance. He emailed me personally almost immediately and assured me they won't share info with anyone.
BAMX
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BAMX 7/12/2012 5:54pm
7/12/2012 5:54pm
PFitzG38 wrote:
No need to shop around, Brandon Parrish is your guy. www.RiderSurance.com I've used him and have referred 2 friends to him as well. He specializes in...
No need to shop around, Brandon Parrish is your guy. www.RiderSurance.com
I've used him and have referred 2 friends to him as well. He specializes in Moto insurance and is a racer himself. Remember premiums will b the same no matter where you go. You just need to find someone knowledgable. Call Brandon!

Support those that support the sport.
I use him and he is super nice and knowledgeable. There is no excuse to ride without insurance.
flyinb501
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flyinb501 7/13/2012 10:47am
7/13/2012 10:47am
Halfast816 wrote:
Torco do you go through an agent or is that something you found on your own?
Torco1 wrote:
It was something offered through my work through an agent. I believe the company is Colonial Life and anybody can set up a policy through them...
It was something offered through my work through an agent. I believe the company is Colonial Life and anybody can set up a policy through them. They will cover you even though them know you are riding/ racing dirtbikes.......as long as you aren't racing for money. Other than that, they will honor all injuries associated with motorcycles. It's well worth a couple hundred bucks a year.
I have the same thing. Accident insurance through Colonial. It's only like $15 a month.
bp@RiderSurance.com 7/13/2012 10:49am
7/13/2012 10:49am
Thanks for the plugs guys! I try my best to make it easy to understand and to get you the best plan for your situation.

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