Insuring Nhra Tracks: What's The Deal?

The National Hot Rod Association (NHRA) offers insurance coverage for its member tracks. This includes commercial general liability insurance for NHRA drag racing events at member tracks, with additional insured coverage for racing vehicle drivers and their crew, event sponsors, and any entities owning or sponsoring racing vehicles or drivers. NHRA member tracks are said to benefit from comprehensive insurance programs, including a Participant Accident insurance program. NHRA also provides insurance requirements for vehicles participating in Street Legal events, which must meet state highway safety requirements and carry valid insurance information.

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NHRA Member Tracks have comprehensive insurance programs

The National Hot Rod Association (NHRA) has over 100 member tracks across the United States, Canada, and Mexico. NHRA Member Tracks have comprehensive insurance programs, which include a partially self-insured Participant Accident insurance policy and expanded General Liability insurance. This insurance is in effect for all covered NHRA drag racing events held at member tracks, for which a premium has been paid. The minimum limit of liability insurance is $1,000,000 per occurrence, but the limit is substantially higher for NHRA Lucas Oil Drag Racing Series events and NHRA national events.

The Participant Accident policy is an excess policy, which means that coverage is not available until all other insurance, self-insurance, or government plans available to the participant are exhausted. Coverage is also limited to the terms, conditions, and exclusions of the policies, and may differ outside of the United States. NHRA Member Tracks benefit from this comprehensive insurance program, which helps to ensure the safety of participants and spectators alike.

In the event of an accident, NHRA Member Participants can file a claim by completing the claims forms and returning them with their medical bills. Coverage pays for reasonable expenses for medical or dental care if the first expense is incurred within 60 days of the accident. However, as with all insurance policies, there may be exclusions and limitations, and not all bills may be covered. For general questions about Participant Accident coverage, NHRA provides an email address for inquiries.

In addition to the insurance coverage provided by NHRA, drivers participating in NHRA events are required to have their own valid insurance information and state-issued registration. This ensures that vehicles are street-legal and meet the necessary safety requirements. Overall, the comprehensive insurance programs in place at NHRA Member Tracks help to provide a safe and secure environment for all involved.

Participants must have their own insurance

NHRA member tracks have comprehensive insurance programs in place. NHRA implemented a partially self-insured Participant Accident insurance program in 2012, while also expanding the list of approved General Liability providers. Commercial general liability insurance is in effect for all covered NHRA drag racing events at member tracks, provided that a premium has been paid to the insurance company. This insurance covers racing vehicle drivers, their crew, event sponsors, and any person or organization owning or sponsoring racing vehicles or drivers. The minimum limit of liability insurance is $1,000,000 per occurrence, but the limit is substantially higher for NHRA Lucas Oil Drag Racing Series events and NHRA national events.

Participants are required to provide proof of a valid driver's license, vehicle registration, and insurance when they arrive at the track. This insurance must cover the vehicle for racing, as well as street use. Aftermarket parts are allowed, but the vehicle must be street-driven and able to pass all state highway safety requirements. This includes having unaltered OEM safety features such as airbags, anti-lock brakes, and seat belts.

Participants should be aware that they may need to file claims with their own insurance company first, before making a claim with NHRA. To file a claim, participants must complete the claims forms and return them with their medical bills. They may also need to provide an itemized statement and a copy of their insurance company's explanation of benefits (EOB). It is important to report claims in a timely manner. For Participant Accident claims, NHRA provides contact information for the third-party administrator, HSR (Health Special Risk, Inc.).

NHRA implemented a self-insured Participant Accident insurance program

The National Hot Rod Association (NHRA) offers a comprehensive insurance program for its members. Since January 1, 2012, the NHRA has implemented a self-insured Participant Accident insurance program, which includes coverage for accidental injuries sustained during covered events. This program is in addition to the list of approved General Liability providers.

The Participant Accident policy is an excess policy, meaning it acts as secondary coverage after all other applicable insurance policies, self-insurance, or governmental plans have been exhausted. In other words, if an NHRA member participant is accidentally injured at a covered event, their personal health insurance or other available coverage would be responsible for expenses up to the limits of their policy. Only then would the NHRA Member Excess Medical Benefit come into effect. This benefit provides coverage for reasonable medical or dental expenses incurred within 60 days and up to 3 years after the accident, as long as they are necessary for treating the injury.

It is important to note that the NHRA participant accident policy has exclusions and limitations, and not all bills may be covered. For example, if a bill is denied by the participant's primary insurance company as exceeding "reasonable expenses" or the "usual and customary allowance," it is unlikely to be paid under the NHRA policy either. Additionally, participants are responsible for timely and complete claims submissions, including itemized statements and relevant insurance documentation, to ensure prompt processing of their claims.

To file a claim, NHRA member participants can contact the third-party administrator, Health Special Risk, Inc. (HSR), by email or phone. They will need to complete and return the claims forms, along with their medical bills and any other required documentation. For accidental death, dismemberment, or disability claims, participants are advised to call their claims representative directly. Overall, the NHRA's self-insured Participant Accident insurance program provides an additional layer of protection for its members, ensuring that they have access to financial support in the event of an accidental injury during covered events.

Commercial general liability insurance is in effect for covered NHRA events

The National Hot Rod Association (NHRA) offers its members insurance benefits at NHRA events and certain member track events. These include the Mission Foods Drag Racing Series events, NHRA Lucas Oil Drag Racing Series events, Summit Racing E.T. Series events, National Open events, SPORTSnationals events, and drag racing events at NHRA member tracks.

Additional insured coverage is automatically included for racing vehicle drivers, their crew, event sponsors, and any person or organization owning or sponsoring racing vehicles or drivers. This coverage applies in the event of a covered liability claim arising from the track's operations.

It is important to note that the NHRA participant accident policy is an excess policy, which means that it only comes into effect after all other insurance, self-insurance, or government plans available to the participant have been exhausted. This includes personal health insurance, which applies up to the limits of the policy or plan.

To file a claim, participants must complete the claims forms provided by the claims representative and return them with their medical bills. They may also need to provide a complete itemized statement and a copy of their insurance company's explanation of benefits (EOB).

Participants must submit medical bills to process insurance claims

As an NHRA member or "participant" in certain NHRA events, you are provided with certain insurance benefits at NHRA events and certain member track events. If you are an NHRA member, you may have a higher level of benefits.

The NHRA member accident policy 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. Coverage pays reasonable expenses for medical or dental care if:

• The first expense is incurred within 60 days of the accident
• The expense is incurred within 3 years of the accident

Reasonable expenses mean expenses that 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 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.

To file a claim, participants must complete the claims forms forwarded to them by the claims representative and return them to their office along with their medical bills, if they have received any. Since coverage is "excess," your medical bills must be processed under any existing coverage first. Any deductible, co-pay, and/or coinsurance amounts you are responsible for can be submitted. In most cases, in order for the claims representative to process payment to your doctor or hospital, you will need to provide a complete itemized statement, along with a copy of your insurance company's explanation of benefits (EOB). If you need to file an accidental death or dismemberment claim or a disability claim, please call your claims representative.

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