We were just informed recently that our health insurance thru work dosn't cover any kind of racing accident.
My racing days are pretty much behind me.
But my 9yr old son, Digger, just started racing MX last year and is loving it. We are gearing up for the new season with a new bike and all and then work drops this bomb on us.
There definition of racing is:
"any competitive event where you are competing for a trophy or cash prize is considered racing"
It dosn't even have to be motorized. Any racing.
Yea if he gets hurt and its not too serious I can always take him to the Hospital and tell them its a trail riding accident (that is covered) but what if its something really serious and the track ambulance has to take care of him/bring him to the hospital. Im gonna be seriously financialy screwed if it gets reported as a racing accident. I hate to think this way but what if, god forbid, he gets involved in something that is going to be a lifelong injury. That could financialy wreck someone.
What are others using for there insurance. Is there a good insurance provider out there that dosn't cost an arm and a leg. What I would like to do is find something that I can buy for just say 6 months outta the year. Just when he is racing. I heard someone mention the AMA??
I hate to do this to him but I am seriousely thinking of pulling the plug on his racing. He is going to be heartbroken if I do, but what other choice do I have. I dont know how much private health care insurance is but it cant be cheep. I aint gonna be spending $50-100+ a month for his insurance. His racing is expensive enough without having to add insurance into the picture.
Then there is the fact that he does nothing around the house (chores) without a major battle (like most kids). I feel that if he really wants to race he needs to cowboy-up with the chores and start showing me that this is something that he is really serious about. Otherwise I aint gonna be putting out the $ for him to race.
Suggestions
My racing days are pretty much behind me.
But my 9yr old son, Digger, just started racing MX last year and is loving it. We are gearing up for the new season with a new bike and all and then work drops this bomb on us.
There definition of racing is:
"any competitive event where you are competing for a trophy or cash prize is considered racing"
It dosn't even have to be motorized. Any racing.
Yea if he gets hurt and its not too serious I can always take him to the Hospital and tell them its a trail riding accident (that is covered) but what if its something really serious and the track ambulance has to take care of him/bring him to the hospital. Im gonna be seriously financialy screwed if it gets reported as a racing accident. I hate to think this way but what if, god forbid, he gets involved in something that is going to be a lifelong injury. That could financialy wreck someone.
What are others using for there insurance. Is there a good insurance provider out there that dosn't cost an arm and a leg. What I would like to do is find something that I can buy for just say 6 months outta the year. Just when he is racing. I heard someone mention the AMA??
I hate to do this to him but I am seriousely thinking of pulling the plug on his racing. He is going to be heartbroken if I do, but what other choice do I have. I dont know how much private health care insurance is but it cant be cheep. I aint gonna be spending $50-100+ a month for his insurance. His racing is expensive enough without having to add insurance into the picture.
Then there is the fact that he does nothing around the house (chores) without a major battle (like most kids). I feel that if he really wants to race he needs to cowboy-up with the chores and start showing me that this is something that he is really serious about. Otherwise I aint gonna be putting out the $ for him to race.
Suggestions