Revin
Moderator
Amy Swindell
1 hr ·
With Kevin's injury, we have had to deal with many things. Insurance has turned into a nightmare and we want to give some advice to drivers, especially those with children. We all have "just raced" at tracks and never thought to question the amount of coverage you as a participant would have if you were injured. Please do not think for a minute that the tracks will have anything close to what you need. We were shocked to learn of the policy limits, Knoxville being a premier ...racetrack only carries $50,000 per accident. It sounds like a big amount until you have a hospital stay, much less 2 eight hour surgeries. Just the medical helicopter took a huge piece. His personal health insurance was tapped out and then the Knoxville policy picked up after that. So please check your own policies and make sure you have adequate coverage.
What I am encouraging drivers and their family to do is carry either a disability policy that will help with your monthly bills, or get a workman's comp policy. Sure it's a couple thousand dollar expense, but could make all the difference if you get hurt. Just call your insurance agent and ask. Trust me, it would be worth every cent. Kevin carried Workman's Comp when he raced NASCAR, and we sure wish he still would have had it.
I know how tough insurance costs are on these racetracks, it's scary. I've always wondered when we went to these smaller hometown type tracks what they had for coverage. All that have raced are guilty of not even looking to see if there was a ambulance, much less paramedics. It's just what we did. You raced and took the chance, didn't worry about it.
Please, worry about it, if not for yourself do it for your family. Call your insurance agent today and ask.
1 hr ·
With Kevin's injury, we have had to deal with many things. Insurance has turned into a nightmare and we want to give some advice to drivers, especially those with children. We all have "just raced" at tracks and never thought to question the amount of coverage you as a participant would have if you were injured. Please do not think for a minute that the tracks will have anything close to what you need. We were shocked to learn of the policy limits, Knoxville being a premier ...racetrack only carries $50,000 per accident. It sounds like a big amount until you have a hospital stay, much less 2 eight hour surgeries. Just the medical helicopter took a huge piece. His personal health insurance was tapped out and then the Knoxville policy picked up after that. So please check your own policies and make sure you have adequate coverage.
What I am encouraging drivers and their family to do is carry either a disability policy that will help with your monthly bills, or get a workman's comp policy. Sure it's a couple thousand dollar expense, but could make all the difference if you get hurt. Just call your insurance agent and ask. Trust me, it would be worth every cent. Kevin carried Workman's Comp when he raced NASCAR, and we sure wish he still would have had it.
I know how tough insurance costs are on these racetracks, it's scary. I've always wondered when we went to these smaller hometown type tracks what they had for coverage. All that have raced are guilty of not even looking to see if there was a ambulance, much less paramedics. It's just what we did. You raced and took the chance, didn't worry about it.
Please, worry about it, if not for yourself do it for your family. Call your insurance agent today and ask.