In the world of Freestyle Motocross, accident insurance should never be overlooked for that new part or accessory and should be a top priority. You never know what the future may hold, so it is your responsibility to be prepared to protect you and your family from financial loss due to medical bills. Most likely you have health insurance in place already, but chances are your current policies have exclusions for participating in freestyle motocross event’s, whether if it is a practice day or a competition. This could be your major medical health insurance policy, disability insurance, life insurance, life flight, or accident insurance.
How do I know this? Because action sports insurance is my specialty; I have participated in action sports for the majority of my life and in 2003 I fell into the insurance business. As my passion for action sports took its course I developed this niche service. My main focus is providing insurance solutions for individuals and families by making 100% certain that they are not excluded from any insurance claims resulting from your hobby or occupation by having the correct insurance policy from the start.
If you are an action sports athlete in Freestyle Motocross event’s there are several things you should do today to protect yourself: First, you want to contact all of your insurance companies by calling the toll free number on the back of your insurance card. This number can also be found in your insurance policy certificate. When you speak with the insurance company, tell them your policy ID number and explain to them exactly what you plan to participate in, and then simply ask them if you will be covered if you got hurt. If they say you are covered, ask for a reference number; noting the representatives name, date, and time of the call. Put that note in a safe place! Should an unfortunate situation arise and there are any discrepancies in your claim, you will have a legal document stating you were covered while participating in your activity. Second, you should ask your health insurance provider how much they will cover and the details if you need an ambulance ride and or life flight helicopter ride. A lot of companies will only pay up to a certain amount; for example $1,000 after your deductible. With the average cost of a life flight being around $18,000 that can be a huge exposure to your financial well being and we offer a Life Flight/Ambulance/Repatriation plan to protect that risk as well.
If you have any doubt at all about your current situation, you should start by getting some quotes here on RiderSurance.com and we will follow up with you to evaluate your specific situation.
