Participant Accident Claimants FAQ
Frequently Asked Questions from Participant Accident Claimants
What coverage does the NHRA participant accident policy provide?
The participant accident policy pays up to the policy limit for 1) reasonable medical expenses incurred by a participant who sustains 2) an accidental race related injury while 3) participating in a covered event. All medical treatment must be performed by a 1) legally qualified physician and must be 2) for the sole purpose of treating the injury. The policy also provides, up to the policy limits, a disability benefit (subject to a waiting period) following a covered claim, and an accidental death and dismemberment benefit.
How do I file a claim?
Just complete the claims forms forwarded to you by the claims representative and return them to their office along with your medical bills, if you 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.
Will the participant accident policy pay all of my bills if I don't have any other insurance?
Since every insurance policy has exclusions and limitations, it is possible that the policy may not cover all of your bills. Common reasons for this include, but are not limited to:
1. The bill is higher than what a "reasonable expense" or a "usual and customary charge" should be in your area.
2. The injury is not considered accidental.
3. The bill is unrelated to the covered injury.
4. The doctor or hospital has not provided us with all of the information needed to pay the bill.
I have other insurance. Will the participant accident policy pay all of the bills that my insurance does not pay?
While the participant accident policy will reimburse you for any deductible or co-payment you may be responsible for, it will not reimburse you for charges that your insurance company
does not pay because they exceed "reasonable expenses" or the "usual and customary" allowance.
What does "reasonable expenses" or "usual and customary allowance" mean? Is this just another way to avoid paying a claim?
Most medical plans exclude reimbursement for medical charges that are higher than those generally made in the local area where treatment is received. If your insurance company does not pay a bill in full because the charges exceed "reasonable expenses" or the "usual and customary allowance," those expenses are not likely to be paid under the participant accident policy either.
Do I have any obligation to pay bills that have been turned down because they are higher than "reasonable expenses" or the "usual and customary allowance?"
When you receive treatment from a doctor or hospital, you usually sign an agreement with the doctor or hospital stating that you are ultimately responsible for payment of their bill. However, you do have the right to question the validity of the doctor’s or hospital's charges.
When will the bill from my claim be paid?
Normal processing time is three weeks to four weeks from the date the claims representative receives your bill and all of the essential paperwork. Please be sure that your submission of paperwork is complete in order to avoid any delays.
Some of my bills are over 30 days old. Why haven't they been paid?
Since the participant accident policy is excess over your health insurance coverage, you need to be sure to provide us with a copy of the explanation of benefits (EOB) from your health insurance, which indicates what they paid or denied on your medical expenses. Other reasons for a delay in payment are:
- The claims representative may be waiting for additional information requested from the provider. If this situation exists, you can help them by calling your provider and getting the requested information.
- The claims representative may never have received the bill. If you are unsure, please resubmit it.
This is only a brief description of the coverage that the participant accident policy provides. All claims are subject to policy provision, limitations, and exclusions.
The timely reporting of claims is important. Please find reporting instructions below:
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, please contact: SafeholdMotorsports@safehold.com.
If you are unsuccessful in obtaining insurance information from the track, please contact Tina Kendall at (818) 539-1373 or by email at tina_kendall@ajg.com.
Insurance and Claims Info
Participant Accident and Commercial General Liability Insurance Information
Frequently Asked Questions | Approved Alternate Sanctioning Organizations
As a participant and/or an 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 NHRA member track events, NHRA national events, NHRA 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 NHRA member track events, NHRA national events, NHRA Lucas Oil Drag Racing Series events, or other designated contracted events
3. Excess* Medical Benefit Limit
a) Members of NHRA will participating in NHRA member track events, NHRA national events, NHRA Lucas Oil Drag Racing Series events, or other designated contracted events: $600,000
b) Members of NHRA while participating in Alternate Sanctioning Organization (ASO) events: $585,000
4. Total Disability Benefit Limit
a) Members of NHRA while participating in NHRA member track events, NHRA Lucas Oil Drag Racing Series events, or other designated contracted event: $100 per week up to 52 weeks with a 7-day waiting period
b) Members of NHRA while participating in NHRA national events 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** , 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. all expenses are 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.
The timely reporting of claims is important. Please find reporting instructions below:
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, please contact: SafeholdMotorsports@safehold.com.
If you are unsuccessful in obtaining insurance information from the track, please contact Tina Kendall at (818) 539-1373 or by email at tina_kendall@ajg.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 racing vehicle 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 NHRA Lucas Oil Drag Racing Series events and NHRA 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 Cheryn Schreiber at Safehold Special Risk. Her number is (281) 667-0701. You can also e-mail her at cheryn.schreiber@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.)