Track accident questions

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joey12jet

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1. If you ride your street bike on track-day and crash, would the insurance company cover the bike or your medical expenses?
2. If you crash on a dedicated track bike(no insurance), how would the medical expenses be covered? From your own pocket or OHIP will cover that?



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joey12jet said:
1. If you ride your street bike on track-day and crash, would the insurance company cover the bike or your medical expenses?
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No and no (ohip only), but if you ride or tow it down the street and wrap it around a tree then yes/yes.

joey12jet said:
2. If you crash on a dedicated track bike(no insurance), how would the medical expenses be covered? From your own pocket or OHIP will cover that?
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Just ohip, but they don't cover lost wages and a ton of other medical expenses.

Try not to crash, or if you do, try not to get seriously hurt ;)
 
If you are seriously hurt rehab gets you fixed up faster and better than letting it heal on its own. In many cases you will not heal properly without rehab. Once you are out of the hospital OHIP pretty much drops out of the picture. Long term rehab isn't cheap and many employer health packages only have minimal coverage like $500.00 a year.

Insurance companies consider "Iron Butt" events competitions or trials and could deny coverage.
 
Most companies won't even insure you if admit to them that you take your vehicle to the track.

I've even heard they send reps to track days to take pics of peoples' plates to cross reference them with their records and drop them.

That's why every insurance company asks you if you are going to use your vehicle in competitive events when you get a quote.
 
A TD is not a timed event. I don't believe any insurer would drop your coverage simply because you took your bike to a TD.

I also believe there is nothing from stopping a rider from submitting a claim if they crash during a TD but it would be considered the same as crashing in a parking lot and would be 100% rider's fault.


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caboose56 said:
A TD is not a timed event. I don't believe any insurer would drop your coverage simply because you took your bike to a TD.

I also believe there is nothing from stopping a rider from submitting a claim if they crash during a TD but it would be considered the same as crashing in a parking lot and would be 100% rider's fault.


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Fair enough but I have a hard time believing insurance would differentiate between the two.

joey12pt, how about you ask your company and let us know what they say?
 
When I was asking insurance before about taking a car on a track, they said that any car that ever goes on a track is uninsurable by them. Too many people crashed on the track and then towed/drove their cars into a nearby ditch and called insurance to report that they crashed on the street.

My guess is most people don't bring up track days to their insurance company.
 
unL33T said:
Fair enough but I have a hard time believing insurance would differentiate between the two.

joey12pt, how about you ask your company and let us know what they say?
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Im afraid i cant do that, i dont want to risk my insurance checking up on me if i go to trackday as mentioned above. Ill probably think again if i will ride my street bike on track. Maybe ill rent bike and suit instead.

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2 separate bikes. One street bike that never sees the track. One track bike that never sees the street.
 
unL33T said:
Most companies won't even insure you if admit to them that you take your vehicle to the track.

I've even heard they send reps to track days to take pics of peoples' plates to cross reference them with their records and drop them.

That's why every insurance company asks you if you are going to use your vehicle in competitive events when you get a quote.
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Owned many bikes, gotten many insurance policies, never once been asked if I am taking my bike to the track/competition. I find it extremely hard to believe that any insurance company would send someone to a track to scope out vehicles. The odds of them ever "catching" anyone is next to none.

joey12jet1 said:
Im afraid i cant do that, i dont want to risk my insurance checking up on me if i go to trackday as mentioned above. Ill probably think again if i will ride my street bike on track. Maybe ill rent bike and suit instead
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The chances of it happening are next to none. If you are really paranoid, take your plate off.
 
unL33T said:
Most companies won't even insure you if admit to them that you take your vehicle to the track.

I've even heard they send reps to track days to take pics of peoples' plates to cross reference them with their records and drop them.

That's why every insurance company asks you if you are going to use your vehicle in competitive events when you get a quote.
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I can attest to this.

My previous car was dropped. They never told me why. Then one of my friends told me they come to track days sometimes..... I did track my car, i even had a complete roll cage with race bucket seat. Funny is they never asked to bring my car in for inspection.
 
Brian P said:
2 separate bikes. One street bike that never sees the track. One track bike that never sees the street.
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Im not commited yet, just trying it out if it is for me. I probably go for race school course then rent both suit and bike.

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Concac said:
not everyone is loaded..... not to mention, many of us are married
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I agree. I just bought used gear just to try the sports. I like street riding but i want to try track riding too. Then maybe i can choose which one should I invest my tight budget.

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I am married and not loaded, like Brian said, dedicated street bike and dedicated race bike.

It isn't enjoyable taking something to the track that you are still paying for, even when I took my street bike to the track the one and only time, the bike was fully paid for and I still didn't enjoy it.

If I crash my race bike (which by the way costs more than my street bike) I wouldn't care, if I crash my street bike I will be very sad.
Concac said:
not everyone is loaded..... not to mention, many of us are married
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Racing or competition is probably all covered in the fine print of your policy. Maybe a good read is needed!
 
So if I take my road bike or race bike (don't have) on a track and crash, then neither my car insurance, or my work insurance will cover me for the injuries sustained?

When you go to a track day with renting a bike and all gear from the organizers and sign all the waivers do you also get insurance from the organizers or is that on you as the rider to decide and take into consideration?
 
Car insurance is a no for sure, work insurance I am not sure. I know when I used to be a scuba dive instructor, I had to get a much more expensive insurance because it was considered to be a hazardous occupation and regular work insurance wouldn't cover me, but that was a long time ago and a different country.
mimico_polak said:
So if I take my road bike or race bike (don't have) on a track and crash, then neither my car insurance, or my work insurance will cover me for the injuries sustained?

When you go to a track day with renting a bike and all gear from the organizers and sign all the waivers do you also get insurance from the organizers or is that on you as the rider to decide and take into consideration?
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mimico_polak said:
So if I take my road bike or race bike (don't have) on a track and crash, then neither my car insurance, or my work insurance will cover me for the injuries sustained?

When you go to a track day with renting a bike and all gear from the organizers and sign all the waivers do you also get insurance from the organizers or is that on you as the rider to decide and take into consideration?
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Depends on your work. My work was nice enough to sign up me up after I broke. I have no clue how that worked or whether or not loop holes were used.
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