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Message: [QUOTE="dkortje, post: 469691, member: 34455"] As a Physician, generally what I need to know for insurance is if any other insurance rather than your primary insurance is responsible. ie: workers comp, auto, homeowners, etc. Since with most races, other insurance is not involve, your primary insurance should cover, but it is good to check your policy before you race, since a prolonged hospital stay without coverage will break almost anyone. [/QUOTE]