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This is based on the Region 5 thread - I didn't want to highjack it anymore than it already was. If you want the background - go read that thread & come back.
A couple things on APBA insurance.
1st - there are more and more drivers who race and do not have primary insurance. One can only guess that if it gets too bad, the rest of us will suffer (either by shouldering more and more of the cost until clubs can't afford to put on a race or APBA's insurance getting fed up). This is something that we as racers need to address. Everybody is always complaining about the long day of racing - lower the cost of putting on a race and clubs will not have to schedule so many classes to cover expenses. Insurance in the #1 cost of putting on a race. Cut that in 1/2 and you have a ton of room, dollars wise, to do alot of other things. Maybe mandating secondary medical for all drivers - not through your employer (try going to your HR Dept and asking for a Certificate of Insurance with somebody named as an additional insurance so you can ride around on a 4X8 sheet of wood at 60 mph, with 12 other persons of questionable sanity. That will go over well). Maybe something like Mason mentioned. (Dave - please get more info on that program and post if you can.)
2nd - I have never raced AOF (and this is not a knock against them or anyone else - I have heard they do a good job with everything they do, just haven't had the oppurtunity) but one of the great things APBA does is handle their Insurance.
In 04, I was in a wreck at Lockhaven, where I was transported to the hospital and treated. I told everyone I was in a boating accident (read non racing) and my primary insurance picked up most of the cost. It did not cover the meatwagon ride, deductable, etc. I sent the bills to ASI and they handled everything. Very professional - no questions.
My daughter slammed her thumb in the motorhome door at the 05 Mod Nats at Franklin. I took her to get Xrays and had my primary insurance to cover it and I paid the deductable. I submitted an inccodent report just as a FYI. 1 yr later, I got a call from K&K that during an internal audit, they found out my insurance co dropped the ball and had not paid the bill and it was going to collection. I would have never known until too late to fix it. K&K handled it, no problem - I didn't even get a chance to take care of the bill, they just did it. (And I don't think they weren't even APBA's insurance co at the time of the injury).
My points are:
1 - APBA and their Insurance Co does a great job taking care of it's drivers, bar none.
2 - We as drivers need to step up and handle our business. We all have ideas on how to better the sport, add new motors, etc. We want lower costs, more water time and shorter days, but one of the biggest factors that create these higher cost and long days (ie Insurance Cost), we ignore. Driver Insurance should rank as high, if not higher, than some of the other stuff.
A couple things on APBA insurance.
1st - there are more and more drivers who race and do not have primary insurance. One can only guess that if it gets too bad, the rest of us will suffer (either by shouldering more and more of the cost until clubs can't afford to put on a race or APBA's insurance getting fed up). This is something that we as racers need to address. Everybody is always complaining about the long day of racing - lower the cost of putting on a race and clubs will not have to schedule so many classes to cover expenses. Insurance in the #1 cost of putting on a race. Cut that in 1/2 and you have a ton of room, dollars wise, to do alot of other things. Maybe mandating secondary medical for all drivers - not through your employer (try going to your HR Dept and asking for a Certificate of Insurance with somebody named as an additional insurance so you can ride around on a 4X8 sheet of wood at 60 mph, with 12 other persons of questionable sanity. That will go over well). Maybe something like Mason mentioned. (Dave - please get more info on that program and post if you can.)
2nd - I have never raced AOF (and this is not a knock against them or anyone else - I have heard they do a good job with everything they do, just haven't had the oppurtunity) but one of the great things APBA does is handle their Insurance.
In 04, I was in a wreck at Lockhaven, where I was transported to the hospital and treated. I told everyone I was in a boating accident (read non racing) and my primary insurance picked up most of the cost. It did not cover the meatwagon ride, deductable, etc. I sent the bills to ASI and they handled everything. Very professional - no questions.
My daughter slammed her thumb in the motorhome door at the 05 Mod Nats at Franklin. I took her to get Xrays and had my primary insurance to cover it and I paid the deductable. I submitted an inccodent report just as a FYI. 1 yr later, I got a call from K&K that during an internal audit, they found out my insurance co dropped the ball and had not paid the bill and it was going to collection. I would have never known until too late to fix it. K&K handled it, no problem - I didn't even get a chance to take care of the bill, they just did it. (And I don't think they weren't even APBA's insurance co at the time of the injury).
My points are:
1 - APBA and their Insurance Co does a great job taking care of it's drivers, bar none.
2 - We as drivers need to step up and handle our business. We all have ideas on how to better the sport, add new motors, etc. We want lower costs, more water time and shorter days, but one of the biggest factors that create these higher cost and long days (ie Insurance Cost), we ignore. Driver Insurance should rank as high, if not higher, than some of the other stuff.
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