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<blockquote data-quote="BA_DirtDriver" data-source="post: 39597" data-attributes="member: 424">What about coverage provided by event promoters.&nbsp; I haven't looked at those policies but don't they cover spectators?&nbsp; What do the individual team policies typically cover?&nbsp; As a side note is it possible to get rider type policies to blanket exsisting life insurance policies that have motorsports exclusions.&nbsp; I can see where this would be a major problem specially here in CA.&nbsp; Drivers can always move all of their assets to irrevocable trusts in an attempt to be more judgement proof.&nbsp; Have there been any rulings or awards against racecar drivers and or owners? Is everyone involved going to have to holdharmless all participants?&nbsp; At some point we have to decide that we don't need insurance.&nbsp; Some things are inherently dangerous and bear the risk of ultimate loss.&nbsp; God forbid someone is injured or killed.&nbsp; Which is worse the risk of getting sued or killed?&nbsp; In our litigious society it is hard to forego insurance because of the zealousness of the advocates out there.&nbsp; The problem truly arises when someone who has no ability to assess the risk is affected by a racing incident.&nbsp; What everyone needs to accepted is that ANYONE in the proximity of a racing vehicle can be injured or killed.&nbsp; That includes all spectators and team members, their families and friends.&nbsp; A chainlink fence won't stop a TT traveling at 100+ MPH as won't a scrub brush stop a class 10.&nbsp; But I digress, this is not a good thing at all.&nbsp; What are the pending cases?&nbsp; These might have a huge influence on the insurability of our sport.&nbsp;&nbsp; Bret</blockquote>

[QUOTE="BA_DirtDriver, post: 39597, member: 424"] What about coverage provided by event promoters. I haven't looked at those policies but don't they cover spectators? What do the individual team policies typically cover? As a side note is it possible to get rider type policies to blanket exsisting life insurance policies that have motorsports exclusions. I can see where this would be a major problem specially here in CA. Drivers can always move all of their assets to irrevocable trusts in an attempt to be more judgement proof. Have there been any rulings or awards against racecar drivers and or owners? Is everyone involved going to have to holdharmless all participants? At some point we have to decide that we don't need insurance. Some things are inherently dangerous and bear the risk of ultimate loss. God forbid someone is injured or killed. Which is worse the risk of getting sued or killed? In our litigious society it is hard to forego insurance because of the zealousness of the advocates out there. The problem truly arises when someone who has no ability to assess the risk is affected by a racing incident. What everyone needs to accepted is that ANYONE in the proximity of a racing vehicle can be injured or killed. That includes all spectators and team members, their families and friends. A chainlink fence won't stop a TT traveling at 100+ MPH as won't a scrub brush stop a class 10. But I digress, this is not a good thing at all. What are the pending cases? These might have a huge influence on the insurability of our sport. Bret [/QUOTE]

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