Who pays if you are hurt on the track? | GTAMotorcycle.com

Who pays if you are hurt on the track?

Xtina

Xtina

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Since track bikes don't carry insurance and therefore don't insure you in a crash, who is responsible? Say if I'm injured on the track and require physio will I have to pay out of pocket? Do tracks carry insurance on riders?
 
there is no special coverage.

If the injuries are bad enough, you'll be utilizing OHIP in the hospital setting. Afterwards you either use your extended health care benefits or you suck it up and soldier on.
 
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One of my best friends came up from the US (Wisconsin) to do a TD with me in June. He bought TD (sports) insurance! WTH? Why can't we buy that here? He said it cost him $30 on top of his regular traveller's insurance.
 
.. and this thread, ladies and gentlemen, illustrates why track day organizers get sued for the choices made by riders to participate.
 
stormcat said:
One of my best friends came up from the US (Wisconsin) to do a TD with me in June. He bought TD (sports) insurance! WTH? Why can't we buy that here? He said it cost him $30 on top of his regular traveller's insurance.
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Because he's American?
 
Bandit Bill said:
.. and this thread, ladies and gentlemen, illustrates why track day organizers get sued for the choices made by riders to participate.
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I haven't done any track days or track events yet, but I would assume, similar to the exit courses they make you sign a waiver of liability. I would guess though that some people who suffer injuries try to argue that the waiver doesn't apply for whatever reason.
 
Waivers don’t get you of the hook for everything. If the racetrack is inherently damaged or not suitable for the race or the bike they loan you is dangerous for example. So you can still sue even after the wavier if you can proves negligence
 
caboose483 said:
Because he's American?
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:p

I find it surprising that the US would even offer this kind of insurance, all things considered.

Back to the topic... your benefits through work (if you have them) would cover injury costs as well such as prescriptions, physiotherapy, etc., depending on the amount and kind of coverage you have. If you don't have benefits through your employer, you always have the option of buying personal coverage through Blue Cross, for example.

I'm never worried so much about health benefits when on the track. I'm always more worried that another rider is going to hit me and leave me on the hook for my own bike repairs since bike insurance doesn't cover the track.
 
WestEndBikeGirl said:
I haven't done any track days or track events yet, but I would assume, similar to the exit courses they make you sign a waiver of liability. I would guess though that some people who suffer injuries try to argue that the waiver doesn't apply for whatever reason.
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Signing a waiver doesn't prevent you from suing. All it does is enable the person you're suing to claim that you were an informed participant that knew the risks.

To the OP, no differently than any other risky activity a bad day could ruin your life. If you are badly injured OHIP will cover your initial medical costs but loss of earnings and specialized care are your responsibiltiy. You can try to sue the track or the organizers if they were somehow negligent but I wouldn't count on being successful or that they might be able to afford much.
 
Griffin said:
Signing a waiver doesn't prevent you from suing. All it does is enable the person you're suing to claim that you were an informed participant that knew the risks.

To the OP, no differently than any other risky activity a bad day could ruin your life. If you are badly injured OHIP will cover your initial medical costs but loss of earnings and specialized care are your responsibiltiy. You can try to sue the track or the organizers if they were somehow negligent but I wouldn't count on being successful or that they might be able to afford much.
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I'm still dealing with issues from a track accident three years ago. They finally became bad enough that something had to be done. OHIP and benefits from work are what's footing the bill.
I wouldn't dream of suing someone for damage or injury from track related activity. I knew what I was doing was risky and involved the possibility of getting injured. I'm accountable for taking part in the activity. It's not the organizer's, track owner's or the guy who ran over me's fault I was injured.
If people were to start suing track owners and organizers for injuries we would end up with even more limited opportunities to ride track.
 
waivers have limited use in situations where the track is negligent.
 
From a guy who has been and am on both sides of the fence. IMO if you are not responsible for your own actions STAY OFF THE TRACK. I buy liability insurance (that is ridiculously expensive) and also double waiver everyone. I am a numbered company as well to protect myself.
Nobody has ever sued a race org successfully in Canada yet. I can tell you one thing if I ever get sued I will bankrupt myself and fight it to the end. Its just wrong.
I find the OP post rather offensive and its what wrong with our society. "Who pays?" How about you take responsibility for your actions and you do?
If a track or an org is doing something that you find dangerous or not acceptable JUST DONT RIDE!
 
kneedragger88 said:
I find the OP post rather offensive and its what wrong with our society. "Who pays?" How about you take responsibility for your actions and you do?
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I have to agree - it is a little offensive the way it is worded... YOU are responsible. As it should be.
 
Wow, calm down people. I love how everyone just assumes it's so I can sue for damages. That's expensive and pointless. I just wanted to know if the track insurance like other events do to protect themselves. It's more for my concerned parent then anything else. It's a valid question anyway, that's why I posted it. I don't have work insurance and needed to know what would happen in the event that I'm hurt.
And thanks to anyone who gave me a valid answer.
 
gotta pay to play...in more ways than one.

The offensiveness comes from the unimplied self-entitlement your inquiry carries, not from any insult you've made.
 
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Xtina said:
Wow, calm down people. I love how everyone just assumes it's so I can sue for damages. That's expensive and pointless. I just wanted to know if the track insurance like other events do to protect themselves. It's more for my concerned parent then anything else. It's a valid question anyway, that's why I posted it. I don't have work insurance and needed to know what would happen in the event that I'm hurt.
And thanks to anyone who gave me a valid answer.
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So your parent is wondering who to sue if you die. Makes sense now.
 
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