Quote:
Originally Posted by fignon's barber
This is nothing to worry about, it's standard practice. They ask this, for example, because in many states if a bike accident happens on a road, it's covered by your car insurance, not health insurance.
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Agree. If I am on a public road, my auto policy covers my injuries if the crash was my fault, to certain limits where the health plan theoretically takes over. This is true whether I am in an organized race or not. Racing on private property is another story, usually the health plan controls. Of course there are few providers in network but that's a whole different rant.
As an aside my homeowner's policy covers the bike for theft whether it's at home or away.