What is your experience with racing accidents and health insurance coverage? I would be racing beginner or novice, but would feel like a dumb a$$ if I were injured and denied coverage. Two kids and a mortgage, I have coverage. But I have heard there are exclusions for motorized racing. My wife had surgery on her elbow a few years ago. 8hr surgery was $215,000, does not include 4 days in the hospital. That would have been brutal without insurance. I keep thinking I would be covered, due to the fact that there are so many riders at local races.