Insurance and Claims Info
Participant Accident and Commercial General Liability Insurance Information
Frequently Asked Questions | Approved Alternate Sanctioning Organizations
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. Highlights of those benefits are described below. If there is any inconsistency or conflict between this webpage and the applicable insurance policy, the insurance policy will govern.
I. PARTICIPANT ACCIDENT POLICY
A. NHRA Member Benefits. The following coverages apply to NHRA members while supervising, participating in, or attending the events specified below:
1. Accidental Death Benefit Limit: $250,000
a) 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.
2. Accidental Dismemberment Benefit Limit: $250,000
a) 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
3. Excess* Medical Benefit Limit
a) $600,000 for 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
b) $585,000 for alternate sanctioning organization (ASO) events
*Excess over any other insurance or self-insurance, federal, state, or other governmental plan.
4. Total Disability Benefit Limit: $200 per week up to 52 weeks with a 7-day waiting period
a) 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
5. $50,000 Air Ambulance Transportation
B. Participant 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
4. $50,000 Air Ambulance Transportation
II. EXCESS MEDICAL 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 event, 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 (e.g., personal health insurance);
2. the NHRA member Excess Medical Benefit responds as indicated above.
The excess medical benefit included in the Participant 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:
1. the first expense is incurred within 60 days after the accident; and,
2. 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.
Coverage is, at all times, limited to the terms, conditions and exclusions of the policies. Coverage may be different outside the United States.