Insurance and Claims Info
Participant Accident and Commercial General Liability Insurance Information
Frequently Asked Questions | Approved Alternate Sanctioning Organizations
As a "participant" and/or NHRA member you are provided with certain insurance benefits at NHRA member tracks. If you are a member of NHRA you have a higher level of benefits. Highlights of those benefits are as follows:
I. PARTICIPANT ACCIDENT MEDICAL POLICY
A. Non-Member Benefits:
1. $5,000 Accidental Death & Dismemberment
2. $5,000 Excess* Medical Benefits
3. $100 Per Week Disability Payments up to 52 Weeks
B. Member Benefits:
1. Accidental Death Benefit Limit: $100,000
a) Members of NHRA while participating in track events, National Events, Lucas Oil Drag Racing Series events, or other Designated Contracted Events
2. Accidental Dismemberment Benefit Limit: $100,000
a) Members of NHRA while participating in track events, National Events, Lucas Oil Drag Racing Series events, or other Designated Contracted Events
3. Excess* Medical Benefit Limit
a) Standard Member Track Event, Lucas Oil Drag Racing Series/Designated Contracted Event and National Event: $600,000
b) Alternate Sanctioning Organization (ASO) Event: $585,000
4. Total Disability Benefit Limit
a) Standard Member Track Event and Lucas Oil Drag Racing Series/Designated Contracted Event: $100 per week up to 52 weeks with a 7-day waiting period
b) National Event and all events at NHRA Owned Tracks: $100.00 per week up to 52 weeks with a 7-day waiting period
* Excess over any other insurance or self-insurance, federal, state or other governmental plan.
II. INSURANCE SUMMARY
NHRA Membership is determined solely by the membership records of NHRA. In the event an NHRA Member Participant (as defined in the policy) is accidentally injured at a covered NHRA Member Track event** or at a covered event** as indicated above, the previously described coverages would be in effect for eligible medical expenses in the following order, and as applicable:
1. Any other medical coverage available to a participant applies up to the limits of that policy or plan.
2. The NHRA Member Excess Medical Benefit responds as indicated above.
The Participant Accident policy for National Hot Rod Association (NHRA) is an Excess Policy, which means that coverage is not available until all other insurance, self-insurance, or governmental plans available to the participant are exhausted.
** A covered NHRA Member Track event or a covered event is defined as an event for which an insurance premium has been paid.
Coverage pays Reasonable Expenses for Medical or Dental care if:
a. the first expense is incurred within 60 days after the accident; and
b. the expense is incurred within 3 years after the accident.
Reasonable Expenses means expenses which do not exceed those generally charged for similar Medical or Dental Care in the local area where treatment is rendered.
Medical or Dental care means the necessary medical, dental or surgical treatment, services or supplies, hospital, nursing and ambulance services. All Medical or Dental Care must be provided by a legally qualified physician or dentist for the sole purpose of treating the injury. All coverages are subject to specific limitations and exclusions.
If you are unsuccessful in obtaining insurance information from the track, please contact Tina Kendall by email at tina_kendall@ajg.com.
The timely reporting of claims is important. To report Participant Accident Claims, please email the third party administrator, HSR (Health Special Risk, Inc) at: customerservice@hsri.com or call 800-328-1114. For general questions about participant accident coverage, please contact: SafeholdMotorsports@safehold.com.
III. LIABILITY COVERAGE
Commercial General Liability insurance is in effect for all covered NHRA drag racing events that are conducted at NHRA member tracks and for which a premium has been paid to the insurance company. Additional insured coverage is automatically included for race car drivers, their crew, event sponsors, and any person or organization owning or sponsoring racing vehicles or racing vehicle drivers, in the event of a covered liability claim arising out of the track's operations. The minimum limit of liability insurance in effect is $1,000,000 per occurrence. The limit of liability in effect at Lucas Oil events and National Events is substantially higher.
If you want to consider purchasing your own Liability coverage that would apply in excess of this coverage, please contact Jennifer Harrison at Safehold Special Risk. Her number is (281) 667-0704. You can also e-mail her at Jen.Harrison@safehold.com.
(Coverage is, at all times, limited to the terms, conditions and exclusions of the policies. Coverage may be different outside the United States.)