by Racer X Virtual Trainer
Admittedly, it's been a while since I've ridden motocross or even ventured off-road. With constant lower back pain from disk issues along with a wife and two daughters who could care less about MX, my time on a bike is severely limited. But this Christmas, my nephew received a shiny new KTM and suddenly I found myself ripping the local track and trails. After riding, I started thinking; if I had been injured was I covered on my wife's insurance policy? As we were loading up, I started asking my brother and a few buddies who were riding if they understood their coverage. There were many situations represented. My brother is divorced and has full coverage through his company but wasn't certain how old his kids could be and still be covered or if they were covered by his x-wife's plan. He also wasn't sure if his policy contained any exclusions for riding or other "risky" sports. Another guy was divorced and admittedly had not reviewed his current policy, and yet another buddy was single. There was another kid riding who was in college (I think he is 23) and wasn't even sure if he was still on his parent's plan. He had no idea!
|I learned that there is fine print when it comes to exclusions and that each year your plan renews, the plan languages can change and sometimes not for the better.|
Needless to say this got us all talking and wondering what we should do. As I was driving home, I started thinking further about if I still raced and didn't have coverage through my wife, what would I do? Who would cover me? Is it affordable? Lucky for me (and you!), I have a good friend who is not only an ex-pro road racer but also owns RiderSurance.com. RiderSurance is an action sports-friendly place to quote and apply for insurance. The perk of this site is that Brandon specializes in finding insurance plan's to meet your needs that do not have hobby or occupational exclusions specific to racing, riding or whatever sports you participate in. I've known Brandon for 7 or 8 years and worked briefly with him training pro rider Jake Baumert for whom Brandon was the team manager. So I called Brandon and started to pick his brain. I wanted to know if all the horror stories I have been hearing/reading about on social media regarding health insurance premiums, applications, healthcare.gov, were true. And I quickly learned that there are a lot of moving parts! Most importantly I learned that there is fine print when it comes to exclusions and that each year your plan renews whether it's with healthcare.gov or through my wife, the plan languages can change and sometimes not for the better.
My next question was what should I do? Brandon told me the first starting point would be to find out if my current insurance plan has any exclusions. He said it is very simple but for some reason intimidating for customers so he wrote a simple guide on how to accomplish that. It is definitely worth a read.
As I read the article it occurred to me; there are a lot of things riders need to know before loading up and heading to the track. And RiderSurance.com is a great resource that every rider should bookmark. Not only can you get quotes and ask questions but there is an education section with articles covering Life Insurance for Riding and Racing, Life Flight and Ambulance Policies, and info on how the election of Trump will effect Obamacare and riders to name a few. Much like the Virtual Trainer site, RiderSurance.com is there to educate and help you, the rider!
So before you go riding again or participate in a sport or activity that you may find yourself having to lie about to the ER doctor, give your insurance company a call and find out if your covered. And if you want some extra help, call Brandon directly at 1-888-803-9433. Good luck and be safe out there!
That's it for now, until next time, good luck with your training and remember, if you have a question, log on to the Virtual Trainer Expert Forum and have your question answered by a panel of experts. In addition, be sure and check out the Racer X Virtual Trainer archive section. Your complete one-stop information zone for motocross fitness.