Racer Insurance

[Drew13]

Since its the beginning of the season I thought I would post up a reminder to make sure your insurance covers racing.

I was told last year that my employee provided insurance did cover racing. Today I thought i would call and get that in writing. When i called i was informed that they DO NOT cover racing of any kind, club or professional.

CCS does have insurance but it is a $1000 deductible and then will pay up to $5000.

Sooooo. Long story short, I called BCBS after doing some research. And they have a supplemental plan that covers catastrophic damages. The plan is called Lumenos HSA. It has a $3000 deductible and after that is met they pay 100% up to $7million. The premium is $77/month. And i keep my employer insurance as the primary.

Better safe than sorry. Hope this helps someone out and that nobody will ever need it.