Excitement permeates the world of motorsports—there's nothing like the thrill of karting, or of driving your first IndyCar. Finding the line and cornering at maximum speed to overtake opponents and set new personal records are their own rewards.
But with the element of danger is the need for protection. Just as we wouldn't hop in a kart without our driving suit and a full-face helmet, comprehensive coverage is a must. Accidents will happen—that's a given—so it's crucial that we're fully suited up. Then, when these things do happen, we can jump back in the driver's seat ASAP, without so much as a glance in the rearview.
Zinc's options for coverage hit all the important points, and are as flexible as an Italian-made chassis. Read on for specifics.
Exclusions include, but are not limited to, the following:
Participant accident medical coverage is provided for insured persons participating in racing events held at sanctioned tracks which include:
Class 1 and 2: Driver participants and non-driver participants in a covered event which has been endorsed onto a policy and for which an appropriate premium has been paid and who has signed a valid Waiver and Release of Liability and Indemnity Agreement. Insured must obtain signed Waiver and Release of Liability forms from all persons allowed into restricted areas.
Class 3: Drivers, mechanics, pit personnel, and officials of driving schools, but only while participating in a sanctioned driving school covered event which has been endorsed onto a policy and for which the appropriate premium has been paid and who has signed a valid Waiver and Release of Liability and Indemnity Agreement. Insured must obtain signed Waiver and Release of Liability forms from all persons allowed into restricted areas.
Accidental Death and Dismemberment (50% dismemberment scale)
Accident Medical Expenses
A deductible applies for each and every claim per insured person. The deductible can be waived subject to evidence of other valid and collectible insurance in some programs.
Coverage for accidental bodily injury of an insured person is limited to:
The insurance company will pay reasonable and necessary expenses of any services rendered within one year from the date of the accident, which are in excess of the deductible amount.
Please note: The information contained on this site is only a summary of the benefits provided. It is NOT a complete explanation of all policy provisions or specifics of the policy benefits. No coverage is extended and no representations are made other than what is stated in the policy. For a complete description of the program coverages, exclusions, and benefits, please refer to the policy.
Exclusions include, but are not limited to, medical expenses incurred due to the following:
Coverage commences the day Michael Davis Insurance receives the completed application and premium, and terminates upon expiration of the policy. This period applies to both event liability and participant accident coverage.
In the event of a fatality, spectator injury, or any injury requiring transportation to the hospital, immediately notify zinc at 440-526-2661 ext. 1.
It is the responsibility of the race director and the race promoter to see that any incident which takes place during a sanctioned event is recorded on an Incident Report Form and submitted by mail to Michael Davis Insurance no later than one day following the incident. Incident Report Forms will be made available at all tracks and events.
Participant Accident Provider: Best Rating “A+” by A.M. Best
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