Robert Roaldi
Full Member
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Check your mirrors.
Posts: 196
Ottawa, Ontario
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I can only give my own experience. In 1985, I got a Regional B racing license from CASC. I had taken a racing school and had vague plans to race in the Honda series, which never happened. Around that time I changed jobs and applied for additional life in the new company. I never lie to insurance companies, even double-check the spelling, and was not denied coverage. They had no problem with racing. I had to answer all those questions about max speed, etc.
About 5 years later, I changed jobs again, applied for addtional life and mentioned on the form that I did marshaling and other volunteer work at performance rallies. I specifically said that I did NOT compete. I gave a detailed description of the activity, answered all the questions, and was DENIED coverage. Bizarre, I bet that hiking in grizzly country is more dangerous than talking on HAM radio at rallies.
It seems like a crap shoot. I bet some companies know more than others about this stuff, and might choose to go after business that others don't. I don't know who they are though, so I am not much help, sorry.
You'd think that after all these years, ASN Canada, or CASC, or CARS, or SCCA, or SOMEBODY in the racing community somewhere would have studied this, or lobbied, or did something to find out about these things. I mean, every single person involved in motorsport needs insurance in all aspects of their lives, so you'd think that by now the studies would have been done proving that we're a safe group to deal with, or that we're not, or something. But I have never even heard a hint of such a thing. When insurance comes up, most people duck hoping they don't get caught in the crossfire.
What about parachutists? sky-divers? scuba divers? fire-fighters? police? it's a long list.
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