Bassem
Active member
Does calstar cover you no matter who picks you up?
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Insurance for Track Days
- Thread starter Racer497
- Start date
Does calstar cover you no matter who picks you up?
NoOneBetter
New member
Burning1
I'm scareoused!
I just spoke to an under-writer with Farmers insurance.
I've been told that their Umbrella policies with UIM will provide coverage for on-track accidents. That potentially means $1M medical coverage if you're hit during a track-day and incur significant medical fees. If I recall correctly, their comp policies do cover track related accidents as well.
They will not pay out if your loss is incurred while racing, but will likely pay out for practice accidents.
I'm waiting to see the literature before I can confirm.
With this kind of stuff, make absolutely sure that you read the insurance agreement. The agents are often wrong - you don't want to be in for a nasty surprise if you're hurt.
I've been told that their Umbrella policies with UIM will provide coverage for on-track accidents. That potentially means $1M medical coverage if you're hit during a track-day and incur significant medical fees. If I recall correctly, their comp policies do cover track related accidents as well.
They will not pay out if your loss is incurred while racing, but will likely pay out for practice accidents.
I'm waiting to see the literature before I can confirm.
With this kind of stuff, make absolutely sure that you read the insurance agreement. The agents are often wrong - you don't want to be in for a nasty surprise if you're hurt.
TheRiddler
Helmet Tap
- Joined
- Apr 9, 2007
- Location
- California
- Moto(s)
- Any of the two-wheeled kind.
- Name
- Matt
- BARF perks
- AMA #: 1099639
No. CalStar covers you if CalStar picks you up, and I think they may have a partner relationship somewhere near Nevada. If the Stanford air ambulance picks you up, CalStar insurance will not cover you.
Bassem
Active member
You don't really get to choose who picks you up, right? That kinda sucks. It would have been awesome if all the life-flight insurance companies got together for some sort of "if you need a life flight anywhere in this area, you're covered" deal.
purposeinlife1
Anti-Nonsense
Most of California and a good portion of the west coast is covered by CALSTAR and it's member partners. So if you wreck at Thunderhill, Enloe Flightcare will pick you up. They are a CALSTAR partner, so you will not get charged. REMSA Careflight, out of Reno, covers RFR, CALSTAR 6 covers Laguna Seca. The only 2 air ambulances that I know of that are not partners is Reach (I believe they offer a discount, if you are in a partner area but they respond as back up) and Stanford. It's worth it. I believe that there is a group discount in the trackdays page for $35 for a year for a family.
purposeinlife1
Anti-Nonsense
One thing to think about it. If you stack the bike up somewhere and you get a inner facility transport by air, or a plane ride (Really fucked up) you can request that Calstar or one of it's partners pick you up. $45 for $20,000+ of services.
Sidewalk
My bikes have pedals now
- Joined
- Jul 29, 2003
- Location
- Somewhere in SoCal
- Moto(s)
- Lots of bicycles. Sometimes a K3 GSXR1k or NSR50.
- Name
- Joshua
Someone beat me to it, but I just got off the phone with Einhorn insurance company. They DO provide track day coverage ( Think it is through Foremost?) They are sending me a quote.
With any luck I will never need this or test my helmet, leathers, frame skiders, earthquake kit, etc, etc.
AAA
Statefarm
allstate
Einhorn
Einhorn is on the top of my list for when I switch insurance companies because they are a good pitbull breed ambassador.
TheRiddler
Helmet Tap
- Joined
- Apr 9, 2007
- Location
- California
- Moto(s)
- Any of the two-wheeled kind.
- Name
- Matt
- BARF perks
- AMA #: 1099639
My medical insurance covers all emergency ambulance rides, by air or land. That's how I know I'm covered.
Bassem
Active member
Mine covers 90%, which can still leave you with a decent sized bill. That's why I'm asking
Yakoo752
USN
Foremost definitely covers.
State Farm has covered me in the past.
State Farm has covered me in the past.
purposeinlife1
Anti-Nonsense
That's nice that you are covered, I wish I had that, I am responsable for 20% of all medical expenses, so I figured it was a good idea.
TheRiddler
Helmet Tap
- Joined
- Apr 9, 2007
- Location
- California
- Moto(s)
- Any of the two-wheeled kind.
- Name
- Matt
- BARF perks
- AMA #: 1099639
Mine covers 90%, which can still leave you with a decent sized bill. That's why I'm asking
Do you have a maximum annual out of pocket? For example, the most I'll ever pay in one year is $1500. After that everything is covered by insurance.
Burning1
I'm scareoused!
* Nods.
Seems like a lot of people don't know how to read a policy. For a rider, 'Out of pocket maximum' is the most important number when choosing a policy. This is the amount you'll actually pay if you have a serious crash.
A lot of employers offer a flex spending card. Flex is taken out of your pay-check pre-tax. It's available as soon as you apply in January, and is repaid through the year. I have $3K flex, and it costs me about $150/mo. The flex card can be used to pay your deductible, but will also cover expenses such as medicine, birth control, eye care supplies, first aid, doctors visits, dental work (inc. braces) etc. Pretty much anyone can spend it in a few months if desired.
Bassem
Active member
$1200
Burning1
I'm scareoused!
If you are on a PPO, that is a very good policy. Cheap policies usually have $5000+. $2500 is a good policy.
Bassem
Active member