top of page
Mask Group (14).png
RaceReady + Spot Insurance.png
Spot’s got you covered.png

Go all out, with Spot

If you get injured in an accident during your race, Spot’s policy can cover your out-of-pocket medical costs up to $25,000, with a $500 deductible. Spot’s policy works whether you have health insurance or not. 


Go all out in your next race with peace of mind—Spot’s got you covered.

Coverage Details

Your Policy Includes:


Accident Medical Expense Coverage


Accidental Death or Dismemberment



Who is covered?

All registered participants in RaceReady’s covered activities who elect coverage and pay the required premium.

What is covered?

Accidental injuries while competing in motocross, UTV, ATV, and rally car racing events sponsored by RaceReady.

When are you covered?

Spot’s got your back while you are participating in an event for which you have purchased coverage offered by Spot Insurance.

Where are you covered?

Anywhere in the US.

How Injury Insurance Works

If you get injured

Go to the doctor and get treated

If you have an accident, focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.

Filing a claim online

We're here to help

Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!



See a full list of FAQs here.

What medical costs are covered under Spot?

What if I have to submit a claim?

Is Spot health insurance?

What is excluded in my policy?

Get Spot

You can purchase Injury Insurance through the RaceReady website.

Facebook_black (1).png
TikTok (1).png

This is a summary of the benefits provided by the policy. Coverage is subject to the policy’s terms, conditions, and exclusions. In the event of a discrepancy between this summary and the policy, the terms of the policy will control. The policy will be made available upon request. Coverage is underwritten and claims are serviced by Sirius America Insurance Company. RaceReady, Inc is the policyholder for Accident Insurance for all members of RaceReady who elect coverage, pay the required premium, and who are participating in RaceReady supervised and sponsored motocross, UTV, ATV, and rally car racing events.

Spot Insurance Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact
(C) 2022 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701

bottom of page